http://forum.topeleven.com/formation...ion-rules.html
Not that this answers all the questions, but at least it's better than the "Rah rah rah my focken team fechin lost to some fochin other fecken team" thread.

But to the OP, I would say that you need to adjust your tactics and formation to beat the opposition. If you're losing to low quality teams (or losing with a low quality team, who can tell?) then it's all down to tactics.