Which of the following statements is incorrect? Select one:
a) Credit Ombudsman Service Limited provides consumers with an alternative to other legal proceedings to resolve disputes free of charge to those customers.
b) EDR schemes are designed to be independent, quick and informal alternatives to going to court.
c) For mortgage brokers, membership of an approved dispute resolution scheme is not compulsory.
d) EDR schemes help to resolve complaints between financial services businesses and their customers when they cannot be resolved using the firm's internal procedures.