Aktiv Kapital buys very large numbers of accounts from many major banks and finance companies. Those accounts have usually been flagged by the original lender as a “Default”.
Once accounts reach that point, many banks and finance companies now sell those accounts, rather than passing them to a collection agent. It may be the case that your account has been passed to a debt collection agency, then returned to the bank, after which the bank has chosen to sell your account to Aktiv Kapital.
Accounts are usually sold when a customer has failed to make payments to a bank / finance house or to a subsequent debt collection agency. In other words the customer has not been able to enter into an acceptable agreement with the bank / finance house or the collection agent. Consequently the account has been sold.
Aktiv Kapital then becomes the new legal owner of your account and there is then no further correspondence between the selling bank and the customer.