Should the scope of ADR be limited to issues relating to unfair credit or should it embrace all the issues in paragraph 52 above?
16. The ADR should not be limited just to unfair credit but should extend to all elements of a dispute. We agree that there are advantages to enabling the ADR to look at any and all aspects of a credit dispute, including those listed at paragraph 51 and discussed at 52. The ADR would be in a difficult position, if its role was a narrow one, in deciding whether a matter fell within its remit. Furthermore, if the scope of the ADR was limited the coverage of the regime would be limited and consumers suffering detriment would be left out of the scheme.
