Hold a personal conversation? (4,2,7)

I believe the answer is:

talk to oneself

I'm a little stuck... Click here to teach me more about this clue!

'hold a' is the definition.
I know nothing about this answer so I cannot tell whether it can be defined by this definition.

'personal conversation?' is the wordplay.
I cannot really see how this works, but
'personal' could be 'ones' (belonging to oneself) and 'ones' is present in the answer.
'conversation?' could be 'talk' (talk is a kind of conversation) and 'talk' is found in the answer.
This explanation may well be incorrect...

Can you help me to learn more?

I've seen this clue in The Globe and Mail.

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