Read Time 5 Minutes, 20 Seconds

Aktiv Kapital Debt Collectors – dealing with this might seem daunting, but did you know you might not have to pay them? That’s right! However, while this may be the case, ignoring them could stir the pot and create serious complications.

One might need clarification about the identity of Aktiv Kapital Debt Collectors. This name may occasionally come to mind because they may be attempting to reach you. But you need to figure out the exact reason.

Aktiv Kapital: Must You Pay Them? Find Out!

Warren Marshall
Last updated on 28 July 2023
Fact Checked

Table of Contents

1. Who is the group called Aktiv Kapital Debt Collectors?
2. What are the reasons behind Aktiv Kapital Debt Collectors’ constant communication with you?
3. Are the debts really yours?
4. What happens if you’re unable to make payment?
5. The unpleasant situations created by debt collectors
6. What does the law say about Aktiv Kapital Debt Collectors?
7. The Functioning of Aktiv Kapital Debt Collectors – An In-Depth Overview
8. Why might they not be telling the truth?
9. Strategies to lessen your worry and stress
10. Are you dealing with overwhelming debt?
11. Is there a way to completely clear your debts?
12. The subsequent steps to take when dealing with Aktiv Kapital
13. How to reach out to Aktiv Kapital for debt recovery
14. Will they eventually stop pursuing your debt?


Who is the group called Aktiv Kapital Debt Collectors?

If Aktiv Kapital Debt Collectors have not reached you before, you might be familiar with the original creditor you owe the money to. Aktiv Kapital Debt Collectors are well known for collecting money on behalf of other organisations.

They also buy debt from other companies such as MBNA, Barclaycard or loan companies, paying around 10p for every £1 you owe them. They are recognised as Aktiv Kapital ASA and are registered in the UK.

What are the reasons behind Aktiv Kapital Debt Collectors’ constant communication with you?

If Aktiv Kapital has frequently contacted you, it’s probably because you still need to pay back a debt account. However, you may wonder why they are reaching you because you got the money from another organisation. 

Your payments are primarily the foundation of their entire business. Now that you are aware of their interest, it is crucial that you proceed to deal with the situation. So, if Aktiv Kapital has frequently contacted you, don’t worry; it’s not a mistake.

Are the debts really yours?

When the Aktiv Kapital Debt Collectors contact you, do not panic; be smart. It would be best if you always tried to be aware of the rules and regulations as a debtor, which will benefit you. It’s crucial to ascertain that the debt Aktiv Kapital is chasing you for is yours.

You can always request Aktiv Kapital ASA to provide you with a copy of the original credit agreement to validate you owe the money. If they can’t produce this, take your time paying. There may be some issues related to that. Therefore, always try to use your rights to remove yourself from risky situations. 

Are the debts really yours?

What happens if you’re unable to make payment?

Refrain from stressing yourself now if you cannot pay the bill on time. Instead, consider arranging a repayment plan with Aktiv Kapital, which will take longer but will be a more flexible and cost-effective solution to your debt issue.

Additionally, the method of partial payments would be another excellent solution for a financial issue. These options depend on your current economic level, assets, debt type, and other details. Speaking to a debt adviser will be the right pathway to choosing a suitable option for you.

The unpleasant situations created by debt collectors

Unfortunately, some debt collectors resort to aggressive tactics that border on harassment. If Aktiv Kapital is resorting to such measures, know that this behaviour is unacceptable, and you can report them.

While the job of a debt collector is to collect debts on behalf of creditors, some collectors may engage in aggressive or harassing tactics. This will lead to stressful and unpleasant experiences for debtors, even if it harms their mental health. 

Owing debt is already a stressful situation; it worsens when debt collectors act in such an inappropriate way. Here are some examples of such behaviour:

  • Giving calls, texts, or emails repeatedly throughout the day will cause distress and invade privacy in an extreme way.
  • Using threatening or intimidating language – the main aim is to make debtors feel scared or coerced.
  • Public shaming – this can be a humiliation for the debtor.
  • Aggressive doorstep collections – this will create uncomfortable and threatening situations for debtors.
  • Ignoring payment arrangements without any reasonable factor – they continue with aggressive collection efforts. 

Getting calls repeatedly from debt collectors

It’s important to note that you should always be aware of these situations and be prepared. Even if you owe the debt, they have no right to act unpleasantly. If you’re struggling with this situation, do not be afraid to seek professional and legal advice.

What does the law say about Aktiv Kapital Debt Collectors?

Even if you owe a debt, there are always rules and regulations to protect you from unpleasant situations created by any debt collectors. According to guidelines by the Office for Fair Trading (OFT), debt collectors must treat debtors fairly and considerately.

You may be wondering who exactly is the Office for Fair Trading (OFT). It is a non-ministerial government department established in the UK, and its main aim is to create fair and proper engagement between debt collectors and debtors by introducing guidelines publicly.

If Aktiv Kapital shows aggressive behaviour or harassment towards debtors, debtors can complain about their behaviour, and nowadays, there are methods to make complaints online. Debt collectors should always follow the guidelines when they deal with debtors.

As an example, when it comes to the communication aspect, according to OTF guidelines, ‘It is unfair to communicate with debtors, or their representatives, in whatever form, in an unclear, inaccurate or misleading manner’.

The Functioning of Aktiv Kapital Debt Collectors – An In-Depth Overview

Understanding Aktiv Kapital’s operations is like finding the key to a locked door. Once you grasp their methods, dealing with them becomes less intimidating. So let’s dive deep to understand their complex act.

Aim of Aktiv Kapital

The primary aim of Aktiv Kapital ASA is to recoup the debt purchased for a discounted 

price. The company’s entire income stream depends on how they return the debt acquired from other banks, financial institutions or credit companies. 

Therefore, They tirelessly strive to recoup their investment, persistently seeking payment from debtors. It is not an easy task to collect debts, yet you may wonder, how do they do it? They use various debt recovery strategies to maximise the collection of these acquired debts. 

A Typical Day in the Life of Aktiv Kapital

Aktiv Kapital begins its day by buying ‘bad debt’ at a fraction of its original value from companies like MBNA or Barclaycard. Their typical work schedule can be changed and developed according to the company’s operations, policies, and practices with time.

The general strategy will apply for Aktiv Kapital, reviewing pending debt-collecting tasks from the previous day and prioritising debt-collecting functions for the current day. Also, maintaining Communication with debtors is an essential part of the day via phone calls, letters or emails. 

Aktiv Kapital may hold team meetings to analyse the progress of their entire debt collection and develop new strategies to make their work easier. This creates a collaborative work environment. Also, handling the online accounts of all their debtors will be an essential part for them.

Communication is Key

The moment they acquire a debt, their communication gears start turning. Communication becomes the prominent role of this journey between you and debt collectors. They reach out to the debtors using different methods:

  • Phone Communication – This is the primary method they use to contact you. It can be a manual call, but sometimes it can be automated. The reason why they choose automated call technology is that you have to answer that call; you cannot ignore that. Why? Because it will attempt to phone you every half hour until you answer.
  • Postal Communication – letters and relevant notices with fully detailed information.
  • Online Portals and Websites – this is a user-friendly way to manage all the payments, financial details etc, using an online account
The Persistence

When it comes to Aktiv Kapital, their persistence is indeed admirable. This persistence mainly consists of the determination and continued efforts of their employees. They always try to maintain constant Communication to ensure you remember your obligation and make payments promptly.

While this can be frustrating, it is understandable, but remember – they’re only trying to recover what they’ve invested in.

The Manner of Approach

Despite their persistence, they must remain professional and respectful of their debtors. That’s a principle they’re obligated to follow by the Office for Fair Trading (OFT). Remember that you should not stay in a violent condition, and you can act against it with the support of laws.

When Things Get Messy

Aktiv Kapital might sometimes deviate from professional norms. It can be a fair reason from their side to act like that. For example, you intentionally avoid making the payments on time. They may resort to tactics that seem unfair or intimidating. But don’t panic! You can and should report such conduct to relevant authorised organisations.

The situation is getting complicated

Navigating Through Unfair Tactics

Ever felt overwhelmed by their tactics or their persistence? Ever felt trapped by their strategies? We’ve all been there. It’s normal. But the good news is, you can navigate this. How? Let’s find out in the next section. 

Your Rights

Debtors’ rights are a potent weapon you can use when you are not treated genuinely and adequately. It would help if you were treated fairly and without harassment by debt collectors. You have the right to receive clear information about:

  • The debt you owe
  • Any documents transferred by the original creditor, 
  • The amount owed 
  • The interests charged by them
  • Any additional charges 

Remember, you have the right to demand proof that the debt Aktiv Kapital is chasing you for is yours. If they can’t produce this, take your time paying. It’s your right to demand proof. Seek professional advice from legal experts to understand your specific rights applicable to the situation.

Failing to Make Payment

Most debtors cannot make payments in the given time. Don’t despair. Instead, consider setting up a repayment plan with Aktiv Kapital. This depends on an individual’s specific financial situation and needs. 

Debtor is failing to make payments

Why might they not be telling the truth?

One day you suddenly receive a call from a debt collection agency saying they will visit your home. If your debt is under a debt collection agency like Aktiv Kapital, you may face these situations. In an attempt to extract payment, some debt collectors resort to intimidation tactics, even outright lies. There can be reasons for acting like this.

  •  Debt collectors often face significant pressure when they collect outstanding debts. That pressure can lead to aggressive tactics towards debtors. 
  • Some debt collection agencies may not provide adequate training to their debt collectors on how to deal with debtors. As a result, they will use dishonest practices, even unpleasant lies and threaten to achieve their aim at any cost.
  •  This also happens when dealing with frustrated or uncooperative debtors.

However, Should they continue to lie and threaten, you have the right to report such conduct. The UK provides many resources for those mistreated, and you can report the behaviour and other relevant documents to the appropriate authorities.

Strategies to lessen your worry and stress

While dealing with Aktiv Kapital can be stressful, remember it’s just a business transaction for them. It’s normal to feel anxious or stressed when dealing with debt collectors. But always try to remain calm and composed during these interactions.

Familiarising yourself with your rights as a debtor will make your deal easier. It would be best to prioritise your mental health in these cases. Therefore, take care of yourself by engaging in activities that help to reduce stress levels. Avoid personalising the situation and act wise. 

By staying informed and taking proactive actions, debt collectors can not put you into an emotionally draining stage. Think and Work towards resolving the financial situation in a manageable way.

Are you dealing with overwhelming debt?

In this section, we all look into a common scenario we always face through this journey with debt collectors. Having too much debt can be an overwhelming and stressful matter. But taking proactive steps to address the current situation and regain control of your finances and repayments is essential. 

For that, plenty of not-for-profit organisations are always willing to help you. Citizens Advice Bureau (CAB), Christians Against Poverty (CAP) and StepChange are some best options that can be mentioned.

Citizens Advice Bureau (CAB), now known as Citizens Advice, is a free network in the UK that offers confidential advice to individuals on a wide range of issues, including debt. CAB consists of well-trained volunteers and advisors equipped to handle various debt-related problems and give their best support to resolve their financial difficulties. Their assistance can be listed as:

  • Budgeting
  • Negotiating with creditors
  • Exploring debt repayment options

When it comes to StepChange, it is one of the largest debt advice charities in the UK who are providing free debt advice and solutions for debtors. Their services can be mentioned as:

The decision to reach out to Step Change can be a good turning point in your financial journey while receiving free and confidential assistance to manage and tackle those issues effectively.

Debt Management Plan

Is there a way to completely clear your debts?

While it’s not feasible to entirely eradicate your debts, the whole process ultimately depends on your financial situation and the types of debts you have. Individual Voluntary Arrangement (IVA) or Debt Relief Order (DRO) can be recommended for you, which can help manage them better, even wiping off a chunk of what you owe.

IVA can be known as a formal legal agreement in the United Kingdom between an individual and their creditors. This debt management solution is better if your debt is too high and your monthly income is too low.

An insolvency practitioner plays the lead role in this agreement. You will make regular payments and they will divide this money between your creditors. For this you should provide details of your financial situation such as:

  • Your assets 
  • Debts that you purchased
  • Income status and 
  • Information of all the creditors

But remember, your insolvency practitioner can make you bankrupt if you do not make your payments on time. You can always contact or search for insolvency practitioners from the Insolvency Practitioner online directory.

Also, you can apply for Debt Relief Orders if you are under any of the circumstances mentioned below.

  • Owe less than £30,000
  • Owe less than £75 per month of spare income
  • Do not own a house
  • Owe less than £2,000 worth of assets
  • Do not own a vehicle worth £2,000 or more
  • Have not applied for a DRO within the last six years

You need the help of an approved debt adviser to apply for DRO.

The subsequent steps to take when dealing with Aktiv Kapital

The most practical solution is to repay your debt or set up a repayment plan. The appropriate procedure for a debtor will depend on their current financial situation and the type of debt they have incurred.

Ensure Aktiv Kapital ASA is following the law in their debt collection practices. If not, they can be reported and may lose their licence.

Before entering any debt repayment plan, you should know your rights and all the information about the relevant company that offers the repayment plan. Ensure Aktiv Kapital ASA is following the law in their debt collection practices. If not, they can be reported and may lose their licence.

How to reach out to Aktiv Kapital for debt recovery

Aktiv Kapital can be contacted via email or telephone. Provide all necessary details about your debt and current financial status. Then create a mutual plan to repay it.

Website: www.aktivkapital.co.uk
Phone: 0808 196 5550
Text: 07860 094994
Email: enquiries@pragroup.co.uk
Post: PRA Group (UK) Limited, Halo Enterprise & Innovation Centre, Hill Street, Kilmarnock, KA3 1HA

Will they eventually stop pursuing your debt?

Unfortunately, it will never happen. It will happen once you’ve paid your debt in full. Then Aktiv Kapital ASA will cease their pursuit.

Sometimes, Debt collectors might sell or transfer your debt to another debt collection agency. In such cases, you may not receive calls from them, but you will surely start receiving calls or notices from a new debt collector. So keep this in mind.

However, remember that they are not obliged to accept reduced payments. Still, it’s worth the effort to negotiate a more affordable repayment plan. As  mentioned before, It’s essential to be aware of your debtor rights and understand the rules governing debt collection in the UK.


Who is Aktiv Kapital?

Aktiv Kapital ASA is a debt investment company hailing from Norway, boasting operations in nine countries. It’s a big player in the debt collection game, recognised as the largest purchaser of non-performing consumer credits in Europe and Canada. Now they are known as PRA Group (UK) Limited. 

What does Aktiv Kapital do?

Aktiv Kapital’s primary function is buying ‘bad debt’ at a fraction of its original value from other companies such as banks, and then recovering that debt from the actual borrowers.

Can I report Aktiv Kapital if I feel harassed?

Yes! They’re expected to conduct themselves professionally in this industry. But if their tactics seem unfair or intimidating, you have every right to report such conduct to the proper authorities. 

When does Aktiv Kapital stop pursuing debt?

The pursuit ends when the debtor clears the debt in full or when Aktiv Kapital agrees to a negotiated settlement. 

Share Me On

Start reducing your debt repayments and regain control...

100 11800