4-1-4-1 is not an attacking formation. Set mentality to defensive. Maybe you can use normal against much weaker teams, but you'll have to experiment with that. Experiment with high or low pressing and see what works best.

Loose a GK. You don't need 3. Try to get back-up for every other position (another DC, ML and MR at least). Look for players with multiple positions, it will make it easier for you to change formation if needed.

Go read around the forums. Start with the tutorial section. Here's a nice collection:
http://forum.topeleven.com/tutorials...ls-guides.html

This is one I especially like:
http://forum.topeleven.com/tutorials...-opponent.html

Here are some more:
http://forum.topeleven.com/tutorials...ics-guide.html
http://forum.topeleven.com/tutorials...s-tactics.html

Learn about counter formations (and decide whether or not to use them):
http://forum.topeleven.com/formation...ation-use.html

If you're dedicated enough to farm green and red packs and/or spend money on this game, learn about fast young trainers and powertraining.
http://forum.topeleven.com/tutorials...ers-chris.html


In the end it's all about building a strong team and understanding tactics. Study your opponents, learn to understand stats and keep an eye on your player's form. Experiment and see what works best. You'd still need to be lucky to win Cup or CL (I know I do), but at least you can be competitive.

Merry Christmas.