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  • FIRST POST
    • Vereniki
    • By Vereniki 9th Oct 18, 7:16 PM
    • 58Posts
    • 146Thanks
    Vereniki
    Gdpr and collection agency conduct
    • #1
    • 9th Oct 18, 7:16 PM
    Gdpr and collection agency conduct 9th Oct 18 at 7:16 PM
    Hi. I have a payday loan (among others) with piggy bank which I am trying to arrange a debt management scheme. I have already told them I am in financial difficulty and trying to sort out.

    Today they called my work and my manager answered the phone. They asked for me and told her it was piggybank. Does that not breach GDPR? What can I do about it? I am awaiting an appointment with CAB to find the best solution for myself as I plan on paying back monthly, just not as much as I already have been which sinks me into debt.

    By the way I live in Scotland.
Page 1
    • zx81
    • By zx81 9th Oct 18, 7:25 PM
    • 19,070 Posts
    • 20,312 Thanks
    zx81
    • #2
    • 9th Oct 18, 7:25 PM
    • #2
    • 9th Oct 18, 7:25 PM
    Probably not, as they didn't reveal any details about you, only about themselves.

    You can of course argue that it implies you're a customer, but it's not a stated fact.

    Best thing is to give them a mobile number.
    • Willing2Learn
    • By Willing2Learn 9th Oct 18, 7:36 PM
    • 1,617 Posts
    • 1,227 Thanks
    Willing2Learn
    • #3
    • 9th Oct 18, 7:36 PM
    • #3
    • 9th Oct 18, 7:36 PM
    If it were me, I would write to them, withdrawing consent for them to communicate with you by landline, mobile, text, email. I would categorically state that the only form of communication consented to would be written (by post). That way you have a paper trail, and you won't be flustered or panicked when the phone goes.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Tarambor
    • By Tarambor 10th Oct 18, 6:01 PM
    • 3,663 Posts
    • 2,720 Thanks
    Tarambor
    • #4
    • 10th Oct 18, 6:01 PM
    • #4
    • 10th Oct 18, 6:01 PM
    Today they called my work and my manager answered the phone. They asked for me and told her it was piggybank. Does that not breach GDPR? What can I do about it?
    Originally posted by Vereniki
    No it doesn't breach GDPR and you can't do anything about someone who calls someone and says who they are.
    • jimbo26
    • By jimbo26 10th Oct 18, 6:55 PM
    • 508 Posts
    • 308 Thanks
    jimbo26
    • #5
    • 10th Oct 18, 6:55 PM
    • #5
    • 10th Oct 18, 6:55 PM
    Not sure why everyone thinks GDPR is the answer to all their problems. This forum seems littered with references to it. It has replaced the data protection act, and updated it. It isn't some magic piece of legislation, and all it does is govern the use of personal data. Piggybank have not disclosed any personal data to your manager.
    • MEM62
    • By MEM62 11th Oct 18, 2:31 PM
    • 1,749 Posts
    • 1,353 Thanks
    MEM62
    • #6
    • 11th Oct 18, 2:31 PM
    • #6
    • 11th Oct 18, 2:31 PM
    Not sure why everyone thinks GDPR is the answer to all their problems.
    Originally posted by jimbo26
    Because they have not made even the most basic effort to understand what it is and how it works; instead just clinging onto the idea that it is 'magic bullet'.
    • kwame41
    • By kwame41 11th Oct 18, 2:39 PM
    • 55 Posts
    • 33 Thanks
    kwame41
    • #7
    • 11th Oct 18, 2:39 PM
    • #7
    • 11th Oct 18, 2:39 PM
    Did you have to give your work number when you applied for the loan?


    If asked for one in future tell them you work in a safety critical environment and cant be contacted.
    • Shakin Steve
    • By Shakin Steve 11th Oct 18, 3:19 PM
    • 1,647 Posts
    • 1,418 Thanks
    Shakin Steve
    • #8
    • 11th Oct 18, 3:19 PM
    • #8
    • 11th Oct 18, 3:19 PM
    Did you have to give your work number when you applied for the loan?


    If asked for one in future tell them you work in a safety critical environment and cant be contacted.
    Originally posted by kwame41
    The problem with that is that people lending you money usually like to know that you are in work, and not giving them the contact details could stop them lending.
    I came into this world with nothing and I've got most of it left.
    • zx81
    • By zx81 11th Oct 18, 3:32 PM
    • 19,070 Posts
    • 20,312 Thanks
    zx81
    • #9
    • 11th Oct 18, 3:32 PM
    • #9
    • 11th Oct 18, 3:32 PM
    Even more reason for the OP to have refused...!
    • Vereniki
    • By Vereniki 12th Oct 18, 5:42 PM
    • 58 Posts
    • 146 Thanks
    Vereniki
    Thank you all for your responses.

    The reason I mentioned GDPR is because in my working environment I'm not even allowed to leave voicemail saying who the caller is, not because I am looking for a magic solution. If you actually read my post you'd see I've already advised them I'm getting into a debt management plan and I was paying them on time for a very long time.

    They have known and they've bullied me ever since.

    They used threatening tactics and were very rude to me at work, putting me in a very difficult position. In Scotland that could be construed as harassment.

    So thank you to those who have been helpful and those who endlessly judge, I hope you never find yourself in my position.
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