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 a "under review" message?

The guidance from the UK Financial Ombudsman Service (FOS) clearly states that you can complain about the bank's handling of 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 an investigation. 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 about the handling method while cooperating with the verification.

Payment blocked and account closed, there are differences in the period

The beginning of the current UK Financial Conduct Authority's "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; purely 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: bank card deactivation, a certain transfer being blocked, or the entire account being unable to receive or make payments, and ask the bank to list the functions still available. Prepare identity documents such as passport, recent address proof, and the deposit evidence that may be asked; for salary deposits, attach pay slips, and for family support, attach remittance records and explanation of fund sources. Mark each document with the corresponding transaction date, amount, and payer, and keep the submission receipt and requirements for additional documents. Also list which materials are still missing and which have been submitted on the same list, making it easier to check item by item. If it is known that a court order is involved, please ask a lawyer to verify the order and the remedies available; bank complaints cannot replace the relevant procedures.

Fifteen working days, what should be received?

Article (1) stipulates that, starting from the day after receiving a complaint from the bank, the final response is usually required to be issued within 15 working days, which is the final response. 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 expiration date.