The regulations are as follows:-
433.2.1 Except where Regulation 433.2.2 or 433.3 applies, a device for protection against overload shall be installed at the point where a reduction occurs in the value of the current-carrying capacity of the conductors of the installation.
NOTE: A reduction in current-carrying capacity may be due to a change in cross-sectional area, method of installation, type of cable or conductor, or in environmental conditions.
433.2.2 The device protecting a conductor against overload may be installed along the run of that conductor if the part of the run between the point where a change occurs (in cross-sectional area, method of installation, type of cable or conductor. or in environmental conditions) and the position of the protective device has neither branch circuits nor outlets for connection of current-using equipment and fulfils at least one of the following conditions:
(i) It is protected against fault current in accordance with the requirements stated in Section 434
(ii) Its length does not exceed 3 m, it is installed in such a manner as to reduce the risk of fault to a minimum, and it is installed in such a manner as to reduce to a minimum the risk of fire or danger to persons (see also Regulation 434.2.1).
433.3 Omission of devices for protection against overload
This regulation shall not be applied to installations situated in locations presenting a fire risk or risk of explosion or where the requirements for special installations and locations specify different conditions.
I have seen where isolators have been mistaken for MCB's (Loadmaster) and where RCD's are mistaken for RCBO's in one case RCBO's were ordered and RCD's arrived and no one questioned it.
I have also seen where a 16A MCB feeds a garage then in the garage a 32A MCB feeds a ring. And a 32A MCB feeding a ring of 16A sockets with non fused plugs.
However it is easy to jump to conclusions and get 2 + 2 = 5. In one place they had 15A sockets where the fuse was the line pin of the socket so they were fused correct. One guy shouting about a fuse in the neutral but it was a split phase supply without a neutral. So one does need to be careful when criticizing some ones work.
There are 63A RCBO's
but not very common so I would not expect to find one. At 32A and below there are loads but above that it tends to be an add on unit. The moulded breaker often has a separate box with amp and time controls and current transformer and in some cases the MCB and RCD do combine using the same contacts leaving what seems to be a blank and as a result it does not say RCBO on the part which the user can see.