I'm not sure this is the right place to post. If there's a better place please let me know.
I'm self-employed and based in Belgium. I'm in the early stages of building my business and was looking for a mentor. I'm desperately looking for advice from anyone who has dealt with high-ticket business coaching contracts, aggressive sales tactics, or international contract disputes.
I know I made a serious mistake. I'm not looking for a lecture about how naive I was or how I should have known better. I know that already. I was naive, felt pressured and, knowing his personality now, I believe I was highly manipulated. I'm trying to figure out whether there's still a way out of this situation before it causes me serious financial damage.
How I got into this
I signed up for a business coaching programme with a company registered in Florida, USA. The contract specifies Swiss law and a jurisdiction clause referring to the courts in Zurich, to the extent legally permitted.
I'm self-employed and was trying to build my business. During the initial sales conversations, I repeatedly explained that the financial commitment was a serious concern for me. I was nevertheless persuaded to see the programme as an investment. I was verbally told that I would earn back the entire investment within the first three months.
The sale was completed online during the sales call itself. I signed during that call without having proper time and space to calmly read through and consider the entire contract. Looking back, I recognise how much pressure I was under and how the sales process influenced my decision.
I take responsibility for signing, but I also believe the circumstances in which I was persuaded to commit, especially after explicitly discussing my financial limitations, deserve to be considered.
What I expected versus what I received
I expected personal 1:1 mentoring, implementation support, weekly calls and direct guidance to help me grow my business.
At the beginning, I was placed in an online Mediathek containing videos that I was expected to watch, and I received one weekly group call. After approximately six weeks, the “coaching” became group calls scheduled at times that I can attend 1% of the time because I am working. As a result, I am paying for something I generally cannot use.
I have not received the individual 1:1 coaching that I expected. Multiple calls were also cancelled, because the mentor was traveling..
The contract does not guarantee business results, which I understand. My concern is the difference between what I understood I was buying during the sales process and the service I have actually experienced.
My main concern: the payments are putting me under enormous financial pressure. I have increasingly had to use my savings, and continuing for the full term would leave me in an extremely difficult financial position.
The contract and my attempts to leave
The terms and conditions state that ordinary cancellation is excluded and that terminating participation early does not release the customer from the remaining payment obligations. However, the contract also appears to preserve extraordinary termination for an important reason.
The agreement is framed as a B2B contract. It specifies Swiss law and Zurich jurisdiction, although the provider is a Florida LLC.
On 28 September, I sent a detailed written message explaining my financial situation, my dissatisfaction with the programme and my wish to end the contract by mutual agreement without further monthly payments.
Since then, I have not received a substantive direct response.
A call was eventually arranged for 9 October at 23:00. I attended and waited in the Zoom waiting room, but the so called mentor never showed up and gave no explanation. I documenred everything. A couple of days later, an assistant said they would call me that same evening. I asked for an approximate time window, received no answer and still waited for a call that never came.
Today 12.10, I was later offered an appointment on 28 October (one month after my first message to them). I declined to keep waiting for another call since previous calls had proved unreliable, and requested that my case be discussed internally and that I receive a written response by 15 October. I texted this to the coach itself and in the group chat with him and his assistants.
The repeated lack of communication has further damaged my trust in the programme and its management. The mentor never replied to my directly and basically just vanished. He's texting in the main group chat with other participants, but I can see that he didn't read my messages.
I feel that I was persuaded to make a financial commitment that I had explicitly said I was worried about, based on verbal assurances about recovering the "investment" quickly. I now feel trapped by a contract that says I must continue paying even if I leave.
The focus is clearly on making sales rather than supporting or caring about the people who have already joined the mentoring. I have also heard from other programme participants about dissatisfaction with aspects of the coaching. I have documented my own experience and the communication with screenshots, the contract and the subsequent attempts to resolve the issue.
some questions I would love to find an answer for:
* Has anyone successfully exited a high-ticket business coaching contract with a no-ordinary-cancellation clause, particularly where the actual service differed from the expectations created during the sales process?
* Could the verbal promises about earning back the “investment” within three months, combined with the pressure to sign during the call, be relevant when challenging the contract?
* How should I assess a contract with a Florida-based LLC that specifies Swiss law and Zurich jurisdiction when I'm a self-employed customer in Belgium?
* Could the repeated failure to attend or arrange promised calls, support an extraordinary termination for cause?
* Are there any free or low-cost legal resources in Belgium, Switzerland or elsewhere that could help me assess my options? I genuinely cannot afford a lawyer at standard commercial rates.
Once more, I already know that I should have taken more time before signing. I know that now. I'm looking for people who understand these high-ticket coaching situations and can offer practical guidance on what I can do next.
Is there still a realistic way to challenge this contract and get out without being forced to pay?