1. Introduction
The rise of online coaching and digital courses in the UK has given people access to training and personal development at the click of a button. But what happens if the service doesn’t deliver on its promises, or you change your mind? Understanding your online coaching refund rights UK is essential to avoid financial loss and enforce your consumer protections.
2. Your Rights Under UK Consumer Law
Online coaching purchases fall under the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013. These laws give you certain protections when buying digital services online, including refunds and cancellations.
3. Cooling-Off Period for Online Coaching
- When you buy online coaching, you normally have a 14-day cooling-off period.
- This means you can cancel for any reason and get a refund.
- If you have already started using the service during that period, the coach may deduct a proportionate amount for services used.
4. When Refunds May Apply
You may be entitled to a refund if:
- The service was misrepresented (promises not delivered).
- The coaching was of unsatisfactory quality.
- The coach failed to provide the agreed service or access.
- You cancelled within the 14-day cooling-off period.
5. Exceptions to Refund Rights
Refund rights may not apply if:
- You specifically agreed to start the service immediately and waived your cooling-off rights.
- The course was delivered in full within the cooling-off period.
- The coach clearly stated “no refunds” and the service was delivered as promised.
6. Refunds for Subscription or Membership Coaching
If you pay for ongoing coaching via subscription:
- You can usually cancel future payments with notice.
- Refunds for past payments depend on the contract terms and consumer rights.
- Unfair terms, such as non-refundable policies that go against consumer law, may be challengeable.
7. How to Request a Refund from a Coach
- Contact the coach in writing and explain why you want a refund.
- Refer to the Consumer Rights Act 2015 or the Consumer Contracts Regulations 2013.
- Provide evidence (e.g., misleading advertising, poor quality service).
- Keep records of all communication.
8. Escalating a Refund Claim
If the coach refuses to refund:
- Contact your payment provider (PayPal, credit card, bank) and request a chargeback or Section 75 claim (for credit cards).
- Report the issue to Trading Standards if the coach breaches consumer law.
- As a last resort, consider a claim in the Small Claims Court.
9. Protecting Yourself Before Buying Coaching Online
To avoid refund disputes:
- Check the coach’s refund policy before purchasing.
- Pay via credit card or PayPal for extra protection.
- Research reviews and testimonials.
- Keep a copy of the terms and conditions.
10. Key Takeaway
While many online coaching providers operate fairly, some use misleading tactics or refuse refunds unlawfully. Knowing your online coaching refund rights UK gives you the confidence to challenge unfair practices and secure your money if things go wrong.
Frequently Asked Questions
1. Do I always get a refund if I cancel online coaching?
Not always. You have a 14-day cooling-off period unless you waived this by starting the service immediately.
2. What if the coach refuses a refund?
You can escalate through your bank, PayPal, or the Small Claims Court if necessary.
3. Can a coach have a “no refunds” policy?
Yes, but not if it breaches consumer law. Refunds must be given if the service is faulty or misrepresented.
4. Does the 14-day refund rule apply to coaching subscriptions?
Yes, but only for the initial purchase. You may still cancel ongoing payments.
5. What law protects me when buying online coaching?
The Consumer Rights Act 2015 and Consumer Contracts Regulations 2013 apply.
6. Can I get a refund if the coach didn’t deliver what was promised?
Yes, if the service was misrepresented, you may be entitled to a full refund.
Conclusion
Your online coaching refund rights UK depend on consumer protection laws and the specific agreement you made. In most cases, you have at least a 14-day window to cancel, and you’re always protected against poor-quality or misrepresented services. Act quickly, use the law to your advantage, and don’t hesitate to escalate your claim if needed.