Aktiv Kapital

Who are Aktiv Kapital?

Aktiv Kapital recently changed their name to the PRA Group.
Aktiv Kapital are a debt recovery company that buys “bad debts” from banks, credit card companies and other lenders at a discounted rate. They then chase the debtor for the full amount of the original debt.
The original creditor will have sold the debt to Aktiv Kapital. The debt collection agency (Aktiv Kapital) typically pay as little as 10p for every pound of debt they buy, but will chase you for the full amount of the original debt plus interest and costs.
So the chances are they are calling or writing to you because they have purchased your debt from the original lender, like MBNA, Barclaycard and numerous pay day loan companies. They now own the debt and believe you owe money.
If you have been contacted by them, you have to make a decision on how to deal with them.

Do you actually owe them any money?

Aktiv Kapital are just a debt collection agency, and therefore have to provide clear evidence that you owe the money.
Just because they keep calling or are writing you letters stating that you owe them money, does not mean you actually do. YOU MUST CHECK!

How old is the debt they are collecting?

It could be statute barred, which means you no longer owe it.
If you do owe them money then do not enter into an agreement with them before you have taken advice.
This will make sure that they can prove that you actually owe the debt, and if so, that you get an agreement which is affordable for you.
Too often people are pressurised into paying the amount the debt collection agency want them to pay, even if they really can’t afford to pay that much each week or month.
Our experts deal with Aktiv Kapital every day, and can quickly help you determine if the debt is statute barred, in which case you won’t have to pay anything.
If you do owe the money then we can also give you a FREE financial assessment, which you can then send to Aktiv Kapital.
This will make sure that if you do owe them money you onlt enter an agreement to repay on YOUR TERMS, at a rate you CAN AFFORD, rather than the one they may suggest.
Even if you have already entered an agreement with them, we may still be able to help you if you are struggling with the current payments.

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Aktiv Kapital Debt Recovery Contact Details:

  • Company Name: PRA Group (UK) Limited
  • Other Names: Aktiv Kapital, Aktiv Kapital UK Ltd, PRA UK Ltd, PRA Group,
  • Address:
    2 The Cross
    KA1 1LR
  • Phone: 0800 877 2772
  • Fax: 0845 280 1776
  • Website: www.pragroup.co.uk
  • Email:
  • Monday – Thursday: 8:00 am – 8:00 pm
    Friday: 8:00 am – 6:00 pm
    Saturday: 8:00 am – 12:00 pm

Numbers they call from:


Please note that we are not associated with Aktiv Kapital or the PRA Group in any way. The information on this page is provided to help people contact their creditors.
If you’re finding it difficult to make your monthly payments to Aktiv Kapital or the PRA Group you may need help looking at your budget and managing your debt. We deal with such companies all day, every day and we know exactly how to approach them. If you’re struggling to repay a debt and would like us to deal with Aktiv Kapital on your behalf, or simply need a bit of advice, just click on the GET HELP NOW button below.

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