Consumers · FernUSG · BGH 2024

Coaching contract rescission under FernUSG.

Anyone who booked an online coaching programme whose provider lacks ZFU accreditation may demand full repayment under § 7 FernUSG — including business clients.

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EUR 1,000Fixed fee incl. VAT
EUR 0With legal expenses insurance
48 hInitial review
BGH 2024III ZR 176/23
Berlin Bar10 years' practice

When you can claim repayment.

The German Distance Learning Protection Act (FernUSG) requires distance-learning courses to be accredited by the Federal Office for Distance Learning (ZFU). Where accreditation is missing, the contract is void under § 7 (1) FernUSG — payments already made can be reclaimed under § 812 (1) BGB. Outstanding instalments fall away for the future.

The BGH made clear in its judgment of 12 September 2024 (III ZR 176/23): the FernUSG also applies vis-à-vis business clients. What matters is not whether you contracted as a consumer or as an entrepreneur, but whether the offering qualifies as distance learning — spatial separation and learning-progress monitoring being the core criteria.

How we bill

Two transparent paths — depending on your situation.

Without legal expenses insurance
EUR 1,000
Gross incl. 19 % VAT · all-inclusive
  • Contract review (AI-augmented, within 48 h)
  • Counsel's letter of demand
  • Out-of-court correspondence
  • Initial negotiation with the provider
  • Disbursements (postage, copies) included
Down payment EUR 500 on engagement · balance on completion. Court enforcement is billed separately under RVG.
With legal expenses insurance
EUR 0 for you
Billed under RVG via your insurer
  • Coverage request to your insurer
  • Direct settlement with the insurer
  • No own contribution upon coverage approval
  • Out-of-court and in court covered
  • Please verify any deductible with your insurer
We clarify coverage and any deductible before engagement. Where the insurer declines, the fixed-fee model on the left applies.

The fixed fee is based on a fee agreement under § 3a RVG. The amount may exceed the statutory fee under RVG; in return you receive predictable total cost and accelerated processing through the use of AI. In a successful outcome, the opposing party generally only reimburses the statutory RVG fee — you bear the difference to the fixed fee yourself.

Process

Four steps to repayment.

01
Contract review

Free initial review of your coaching contract within 48 hours of receiving the documents.

02
Out-of-court repayment

Counsel's letter of demand with a deadline to the coaching provider; fixed-fee model.

03
Court enforcement

Filing of suit upon refusal to pay; processed in our standardised mass-litigation format.

04
Enforcement of judgment

Enforcement of the title; coordination with insolvency law in case of provider insolvency.

Frequently asked questions

What clients typically ask before the introductory call.

My coaching provider lacks ZFU accreditation — what does that mean?

A distance-learning course within the meaning of § 1 FernUSG requires accreditation from the Federal Office for Distance Learning (ZFU). Where accreditation is missing, the contract is void under § 7 (1) FernUSG. You may reclaim payments made under § 812 (1) BGB. The precondition, however, is that the offering falls within the scope of the FernUSG at all — what matters in particular is spatial separation and learning-progress monitoring.

Does this apply if I booked as a business (UG, GmbH, sole proprietor)?

Yes. By judgment of 12 September 2024 (III ZR 176/23), the BGH made clear that the FernUSG also applies to business clients. What matters is not your status as a consumer or entrepreneur, but whether the offering qualifies in substance as distance learning (learning-progress monitoring, spatial separation).

When does my claim become time-barred?

Claims for repayment under § 812 BGB generally become time-barred after three years to year-end, calculated from awareness. Anyone who contracted in 2023 should have the matter assessed by 2026 at the latest. For older contracts, suspension and standstill grounds need to be assessed individually.

Can I stop ongoing instalments immediately?

Where the contract is void under § 7 FernUSG, the obligation to pay falls away for the future. SEPA direct debits can be revoked — under counsel's guidance. We discuss the approach individually in the introductory call.

What does the procedure cost me exactly?

With legal expenses insurance: EUR 0 own contribution, provided the insurer approves coverage — we submit the coverage request for you. Without insurance, our fixed fee of EUR 1,000 gross applies for the complete out-of-court handling. Any necessary court enforcement is billed separately under RVG.

My coach disputes that the FernUSG applies — what now?

BGH case law interprets the criterion of learning-progress monitoring broadly — regular feedback in coaching calls, individual reviews of assignments or structured module completions are sufficient. We assess the specific design of your contract against the current case law.

Which coaching segments are typically subject to repayment?

We have analysed six typical coaching categories — online marketing, trading, mindset, real estate, crypto and business mentoring — each with a FernUSG indicator (high / medium / situational). Our individual case assessment always remains decisive.

What if the provider has filed for insolvency?

Filing the claim with the insolvency table is possible. In parallel, we examine liability options against the acting managing directors (§ 826 BGB, § 15b InsO) and against intermediaries.

How long does the procedure take?

Out of court: 4–10 weeks from receipt of the documents. In court: 6–18 months to a first-instance judgment. We communicate status proactively every three weeks.

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Prefer to speak directly?

Call +49 170 9926903 or write to kanzlei@eastkap.de.

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