It will tell you as soon as you put the key on which key it is reading, normal or learner. Are you getting this message on the lcd?
It sounds like you are using the normal key if you are getting that top speed. What exactly does it do when you press and hold set? Does it not register at all, beep, read anything on lcd? I have seen those buttons fail. Does mode button work to get to other modes but there is no driving mode?
It's unlikely that the dealer messed up the programming but anything is possible.