How to appeal if the bank account of ILR is frozen?

My bank account is frozen, I can't even pay the rent, is there nothing else to do but wait for "under review"?

The guidance from the UK Financial Ombudsman Service (FOS) clearly states that you can complain about how the bank handles the frozen account. Reasons that may lead to freezing include suspicion of fraud, money laundering, or other illegal activities, as well as enforcement of court orders; unusual transactions or inability to confirm whether a payment was authorized by the individual may also trigger verification. Banks sometimes cannot disclose all reasons, and holders of UK visas or ILR (permanent residency) need to handle the freeze according to the specific reason.

You can file a complaint while cooperating with the verification and discussing the handling method.

Payment blocked and account closed, the time limits are different

The beginning of the current UK Financial Conduct Authority (FCA) "Complaints Rules" (FCA Handbook, DISP 1.6.2AR) defines the scope: complaints under the Payment Services or Electronic Money Rules. Complaints related to card payments, blocked transfers, etc., may fall under this; pure account closure disputes usually apply the general eight-week response period. The following is a breakdown according to this rule.

Confirm which functions are restricted before submitting your request.

When communicating in practice, you can break down the issue into: whether the bank card is disabled, a certain transfer is blocked, or the entire account cannot receive or make payments, and ask the bank to list the functions that are still available. Prepare identity documents such as passport, recent address proof, and the deposit evidence that may be asked; salary deposits can be accompanied by pay slips, and family support can be accompanied by remittance records and explanation of fund sources. Mark each document with the corresponding transaction date, amount and payer, keep the submission receipt and additional document requirements. Also list which materials are still missing and which have been submitted on the same list, making it convenient for checking item by item. If it is known that it involves a court order, you should ask a lawyer to verify the order and relief methods, as bank complaints cannot replace the relevant procedures.

Fifteen working days, what should be received

Article (1) stipulates that, starting from the day after receiving the complaint, the final response, i.e., final response, is usually required to be issued within 15 working days. The starting point may differ from the date when the account was frozen. Keeping the date of the first complaint and the receipt can help verify the deadline.