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Unfair practices of collection companies against debtors (Law 3758/2009)

Citizens-borrowers and especially consumers are very concerned about the unfair practices of the so-called "collection companies", which, often, in violation of the relevant legislation, blatantly insult their personality, their personal data, while disturbing the spiritual and mental their health. Condemnation decisions have already been issued condemning these unfair behaviors (see among others 1437/2014 EfAthina, 2828/2014 Brath, 3383/2013 IrATH), but not enough, with the result that - to date - only one very small part of the real problem.

For the information of the citizens, we attach the basic Law 3758/2009, "Debtor information companies for overdue claims and other provisions" (N 3758.2009), where among others it states:

"Article 5
Unfair and misleading practices of Companies towards debtors.

Companies are prohibited from engaging in unfair and misleading practices towards debtors, such as:
1. The, when communicating with the debtor, the appearance of their employees in capacities that they do not have such as employees of creditors, lawyers or bailiffs.
2. Exercising physical violence, psychological pressure about endangering the profession, assets or life of the debtor or his relatives.
3. The demonstration of offensive behavior or the use of offensive expressions against the debtor or his relatives.
4. Defamation or the threat of defamation of the debtor in his family or work environment.
5. The exploitation of circumstances of objective weakness of the debtor.
6. The threat of taking an illegal measure against him.
7. The debtor's misleading information.
8. The debtor's home or workplace
visits, as well as visits to other strictly personal places, such as hospitals.
9. The disturbance of his relatives in the sense of case 4.
10. The misleading use and presentation of documents that falsely create the impression that they are court documents.
11. Any communication that contains inaccurate information about the consequences of default.
12. The communication for debts arising from general terms of transactions that have been deemed unusable by irrevocable court decisions, as well as the terms referred to in the ministerial decisions issued under the authority of paragraph 21 of article 10 of Law 2251/1994, as applicable from time to time".

Law 3758/2009 has since been amended by article 36 of Law 4038/2012 with the amendments to the following articles:

"Article 4

Principles Governing Notification of Debtors for Overdue Claims

4. (….) The telephone communication from the Company to inform the debtor of an overdue claim is allowed to take place after ten days from the day it became overdue, afrom 9:00 to 20:00 and only on working days. Lenders provide the Companies with only the debtors' information necessary for communication. The Companies use the data of the debtors for the purposes for which the data was transmitted by the lender in accordance with this law, as well as for the defense of their right before the courts or other public authority. The Companies are prohibited from transmitting the data to third parties, with or without compensation, as well as using them for other purposes. As third parties, within the meaning of this law, the subsidiaries of the Companies are also considered. The General Consumer Secretariat of the Ministry of Labor and Social Security has access to the data to check compliance with the provisions of this law, other public authorities and the judicial authorities in the exercise of their statutory powers. The provisions of article 10 of Law 2472/1997 (A' 50) on the privacy and security of the processing are applied accordingly to the files containing data of debtors who are legal entities.

Article 6

Special obligations of Companies

(…) 7. The Companies keep an electronic file in which the details of all telephone communications to the debtor are recorded, and in particular the date, time and debt for which the communication was made. At the start of the communication, the debtor is informed about the recording of the above data and the duration of their compliance. Ta these data are destroyed after one year has passed since the last communication, unless the debtor requests their retention for the data concerning him or the General Consumer Secretariat for the control of compliance with the provisions of this law. The above data may not be used for any purpose other than the control of the execution of the contract by the lender, the observance of the provisions of this law and the defense of the right of the Companies before the courts.

The Companies must provide, at the request of the debtor or at the request of the General Consumer Secretariat for the exercise of its powers, within ten days and without charge a copy with the details of the telephone communications concerning the particular debtor.

Responsible for processing in the sense of article 2 item g of Law 2472/1997 of the file of this paragraph is defined the Company, which is exempted from the notification obligation of Article 6 of Law 2472/1997.

8. The providers of telecommunications services available to the public must, if they comply with them for the purpose of charging for their services, grant without charge to the debtor or for the execution of its responsibilities the General Secretariat for Consumers, and within ten days from the date of submitting the application, status with the relevant traffic data of the telephone connections, as well as the identifying information of the identity of the subscriber of the telephone connection from which the communication with the debtor was carried out before; text to review a complaint for violation of the provisions of this law.

Article 8

Privacy protection

(…)2. The Companies must record the content of every telephone communication with the debtor. The content of the recording may not be used against the debtor, judicially or extrajudicially, and is kept by the Companies mandatorily for one year from the communication. Over the course of a year, the record is destroyed unless the debtor requests its preservation or after a complaint by the General Consumer Secretariat. At the beginning of the communication, the debtor is informed about the recording of the conversation, the duration of its observance and that the recording is done to ensure his own rights only. The Companies are required to provide electronic copies of the recorded communications with the debtors to the debtor himself for the data concerning him or to the General Secretariat of the Consumer in the context of the control of relevant complaints or ex officio control of the Companies within ten days from when they are requested.

Responsible for processing in the sense of article 2 item g of Law 2472/1997 of the file of this paragraph is defined the Company, which is exempted from the notification obligation of Article 6 of Law 2472/1997.

3. The recording of paragraph 2 is allowed, when the Companies proceed, in the context of an assignment by the lenders, to arrange or settle a debt, after informing the debtor, to be used for the purpose of providing evidence of the commercial transaction carried out. In this case, the Companies are obliged to notify the debtor of the settlement within ten days. It is not allowed to enter into an arrangement or arrangement that worsens the position of the debtor in the above manner. The communication with the debtor and the settlement with him do not lead to recognition of the debt on the part of the debtor".

Thomas Kalokiris


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  • Privacy Statement

Privacy Statement

"The processing of personal data is carried out in accordance with the provisions of the General Regulation on the Protection of Personal Data (GDPR 2016/679), any more specific national and European legislation for certain sectors,
of the currently applicable Greek legislation on the protection of personal data, as well as on the protection of personal data and privacy in the field of electronic communications

(Law 3471/2006, as applicable) and the decisions of the Personal Data Protection Authority (PDPA)".  

    1. Purpose

      In the context of offering our products, we collect certain personal data concerning you to facilitate our relationship with you and to provide you with the best possible shopping experience. Through the Privacy Statement we want to explain to you our practices and policies for the collection, use and sharing of data and cookies collected by or about you.

    2. How we collect data

      Your data is collected when you contact us through our contact form, through our order form, through newsletter registration, by phone, or e-mail, or in any other way you may send us your data.

      The thomaskalokiris.com puts the security of your personal data as the 1st priority. For this reason we manage your personal data with care, prudence and according to the National and European Legislation as defined by Law 2472/1997 and Regulation (EU) no. 679/2016 (GDPR).

What data we collect and why

The table below lists the data we collect from you, what we use it for, and why it is necessary in each case.

Purpose of data processing


Why data is necessary

Execution of your orders
  • personal identifiers (name and surname)
  • contact details (shipping address, telephone, email address)
  • tax identifiers (TIN, D.O.Y)
  • login information

to enable your registration/login, to complete your order, or to make any refunds.




Handling questions, complaints, troubleshooting
  • personal identifiers (name and surname)
  • contact details (shipping address, telephone, email address)
  • tax identifiers (TIN, D.O.Y)
  • login information

for the correct handling of questions, any complaints and problems. We have a legitimate interest in providing the best experience for our customers and addressing any issues.




Subscribe to newsletter
  • personal identifiers (name and surname)
  • contact details (shipping address, telephone, email address)
so that you can receive updates and offers from our company after you have given your consent
Create a member account using Social Media 
  • personal identifiers (name and surname)
  • contact information (email address)
to place your next orders without having to re-enter your details


    1. How long we keep your data

      It is our policy to retain your data only for as long as is necessary for the purpose for which it was collected, in accordance with the principles of data minimization and retention period limitation. For all the above reasons, your data will be kept for at least five (5) years after the end of our customer relationship. In addition, we align the retention of your data with possible variations arising from the exercise of your personal data protection rights.

    2. Disclosure of personal data to third parties

      We will not assign, disclose or rent your personal information to any third party/entity other than as described in this Privacy Statement. Our company transmits personal data to third parties, to whom the company entrusts the processing of personal data on its behalf.

      The data is only transferred to partner companies with ours that provide services for the purpose of sending advertising material and personalized offers. Also, this data is transmitted to companies cooperating with us for the purpose of evaluating the quality of service provision and evaluating our products & services. Also, for the purposes of implementing the sales contract, data is transmitted to cooperating companies that have been assigned the execution of part of the contract, such as transport companies or pick-up points selected by you. Finally, access to the data is given to independent service providers who have built our website, as well as to those who provide us with technical support or hosting for the operation of the website.

      We seek to ensure that all such third party/independent service providers will not use your personal data for any purpose other than to provide the services for which they are contractually bound. We also create contracts with these independent contractors that require them to comply with the personal data protection standards required by law and to use the data only for the purposes for which it was provided.

      Finally, we reserve the right to disclose your personal information to third parties if we are required to disclose or share your personal information to comply with any legal or regulatory obligation.

    3. Data Security

      We go to great lengths to protect our users from unauthorized access or alteration, disclosure or destruction of information in our possession. Specifically:

      1. We encrypt data transfer to and from the website using SSL.
      2. We control our data collection, storage and processing practices, including physical security measures, to protect against unauthorized access to systems.
      3. Access to personal information is limited only to our employees and partner entities who need to know this information to provide services to us. These cooperating entities and the way in which your data is secured are expressly mentioned in this privacy statement.


  1. Access by minors

    The products we offer are intended exclusively for purchase by adults and not by children or minors under the age of 16.

    If you are under 16 years of age, you may use our website only with the participation and approval of a parent or guardian.

  2. Use of cookies

    A "cookie" is a small text file that is downloaded to your device when you visit a website and allows the website to obtain certain information from your browser, such as your preferences. We consider it important that you know which cookies are used on our website and for what reasons they are used. The two main categories of cookies used on our website are strictly necessary cookies and third-party cookies:

    Absolutely necessary cookies These cookies are necessary for the proper functioning of our website but also for you to be able to browse it and use its features, such as access to secure areas of the website. Without these cookies, some of the website's services and functions, such as the shopping cart or electronic payment, cannot be carried out

    Cookies of third parties

    Third-party cookies include performance, functionality, and promotion/targeting cookies.

    • Performance cookies: collect information about how visitors use the website, for example which pages they visit most often, and whether they receive error messages from websites. These cookies do not collect information that identifies the visitor. All information collected by these cookies is aggregated and therefore anonymous. They are used only to improve the way a website works
    • Functionality cookies: allow the website to remember the choices you make (such as your username or the region you are in) and provide more personalized features. They can also be used to remember changes you have made to the website or be used to provide services you have requested, such as chatting or using social media. The data collected by these cookies can be made anonymous and cannot track your browsing and your activity on other websites.
    • Promotional/targeting cookies: used to deliver content that is more relevant to you and your interests. They are also used to send targeted advertising or offers, to limit the number of ads shown, and to help measure the effectiveness of advertising campaigns. They may also be used to store the websites you have visited in order to determine the most effective online marketing channels, and to reward external websites and partners who have referred you to our website.


  3. Your rights to protect your personal data

    At any point, during the retention or processing of your data, you retain the following rights, and you can make the corresponding requests:

    • Right of access – you have the right to access the personal data we hold about you
    • Right to rectification – you have the right to correct inaccurate or incomplete data we hold about you.
    • Right to erasure – you can request that the data we hold about you be deleted from our records and we are obliged to comply with your request in certain cases
    • Right to restriction of processing – you have the right to request that the processing of your personal data be restricted and we are obliged to comply with this request where certain conditions apply
    • Right to data portability – you have the right to request that the data we hold about you be transferred to another organization
    • Right to object – you have the right to object to processing of personal data concerning you, under certain conditions
    • Right to withdraw consent – where the legal basis for processing your data is “Consent”, you have the right to withdraw your consent at any time.

    All your requests regarding the above rights can be submitted through the special request form or through the management pages of your personal account.

    The procedure for the processing of any request regarding the above rights is as follows. We will evaluate the request and respond to you regarding its progress (request approved, request partially approved, request rejected) as soon as possible and in any case within one month of its submission. In the event that our company rejects your request regarding the above-mentioned Personal Data Protection Rights, we will communicate the reasons for the rejection. You have the right to file a complaint directly with the regulatory authority and our company's Data Protection Officer.

    We reserve the right to reject requests that are unreasonably repetitive, require disproportionate technical effort or have disproportionate technical consequences, endanger the privacy of others, or are impossible to implement.

  4. Changes to the Privacy Statement

    Our Privacy Statement may change from time to time. We endeavor to constantly review and update this Statement in order to comply with statutory and regulatory requirements while providing the best protection for your personal data. We will post any changes to the privacy statement on this page.