You say there's nothing wrong per se in having no isolation switch in the CU.
There isn't - although, as you go on to imply, it may not count as a ('type tested') 'CU' if it has been 'modified'.
I may be wrong, but I can't recall a Hager board configuration that left the factory like this one. So, in that respect, surely it contravenes the regs?
I don't know whether Hager ever sold any like that (I doubt it) - but does it necessarily contravene the regs to have a DB which is not a type-tested 'CU'?
It would seem a bit odd that anyone would remove the main switch from a MS plus 2RCD CU. One therefore suspects that it may have started life as a 'split load' board (MS plus 1 RCD) and that someone tried to 'bring it up to current regs' by swapping the main switch for a second RCD. If so, it would be a bit ironic that someone had attracted scorn, and maybe contravened regs, by an attempt to 'bring up to current regs'!
Kind Regards, John