Who are Aktiv Kapital?

Aktiv Kapital is a debt collection agency that purchases and manages debt portfolios from various industries, including financial services, telecommunications, and utilities. They operate by buying unpaid debts from original creditors at a discounted rate and then collecting the full amount from the debtors.

Why are Aktiv Kapital contacting me?

Aktiv Kapital may be contacting you because they have purchased your debt from the original creditor. They are now the legal owner of your debt and are attempting to collect the amount owed.

Is contact from Aktiv Kapital serious?

Yes, contact from Aktiv Kapital is serious. Ignoring their communications can lead to further action, including legal proceedings. It’s important to address their contact promptly to avoid potential escalation.

Can a Debt Management Plan stop Aktiv Kapital?

A Debt Management Plan (DMP) can help manage your debt by consolidating payments into one manageable monthly amount. This may stop Aktiv Kapital from contacting you directly as the payments will be handled through the DMP provider.

What rights do I have against Aktiv Kapital?

You have rights under the Financial Conduct Authority (FCA) regulations and the Credit Services Association (CSA) code of conduct. These rights include the ability to dispute the debt, request proof of the debt, and ensure that Aktiv Kapital treats you fairly and reasonably.

Will Aktiv Kapital repossess my home?

Aktiv Kapital cannot repossess your home without a court order. Repossession is a last resort and typically involves legal proceedings where a judge must decide the outcome. Communicating with Aktiv Kapital and addressing the debt can help prevent such actions.

What Debt Management Plans can help stop Aktiv Kapital from contacting me further?

DMPs and Individual Voluntary Arrangements (IVAs) can help manage your debt. These plans consolidate your debts into a single payment and can stop further contact from Aktiv Kapital once they are in place.

What if I can’t afford to pay Aktiv Kapital?

If you can’t afford to pay, you can contact MoneyHelper for free advice.

Alternatively, to speak with an expert debt advisor about debt solutions, you can contact MoneyPlus today.

Important: Please note that MoneyPlus are not associated with Aktiv Kapital UK Ltd in any way. The information on this page is provided to help consumers contact their creditors. If you’re finding it difficult to make your monthly payments to Aktiv Kapital UK Ltd you may need help managing your debt.