“我又没违法，为什么我的银行账户突然被冻结了？”
“经常收到银行审查通知，是不是我哪里做错了？”
最近我们接到不少客户咨询，很多人明明没有任何异常操作，却频繁被银行风控系统“关注”，甚至被冻结账户，完全搞不清原因。
到底什么情况会被银行盯上？是不是转账太频繁就会被标记？是不是存现金太多就会被怀疑洗钱？
还有一种情况更令人难以接受：你完全无辜，却因为“别人的账户”被拖下水？
本期影片，我们将带你拆解银行账户风控背后的核心逻辑，看似离奇，其实很多人都中招却毫不自知。
点击下方视频，提前了解风险，避免无辜受牵连！
《无辜也中招？银行盯上你账户的3个真相，第3个太离谱了！》
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![Two recent immigration tribunal decisions have highlighted important points of principle in UK immigration law: the requirement for procedural fairness in decision-making and the legal distinction between a grant of leave and the administrative issuance of a Biometric Residence Permit (BRP).
Both cases demonstrate the need for applicants and their representatives to be vigilant in challenging decisions where the Home Office may have acted outside established legal boundaries.
Namecard for article - Angel Wan in English
Procedural Fairness in Hong Kong BN(O) Applications
In R (KW) v Secretary of State for the Home Department, JR-2024-LON-002169, the Upper Tribunal considered a refusal under the Hong Kong British National (Overseas) route. The applicant, a Chinese national from Hong Kong, had been refused on the basis of a previous conviction. The Home Office gave decisive weight to a Hong Kong Court of Appeal judgment it had located independently online, without putting this material to the applicant for comment.
The Tribunal found this to be a clear breach of procedural fairness, observing that the applicant had effectively been “ambushed” by evidence not disclosed to them.
While the Court of Appeal’s decision in Balajigari v Home Secretary [2019] EWCA Civ 673 was not directly applicable, it was considered a useful authority on fairness in immigration decision-making. The refusal was therefore quashed, and the case must now be reconsidered by the Home Office.
This judgment reinforces that applicants must be given an opportunity to respond to any evidence relied upon by decision-makers. Failure to do so will amount to procedural unfairness, providing strong grounds for judicial review.
The Legal Status of Biometric Residence Permits
The second case, Guerrero (s104(4A); statutory abandonment; right of appeal) [2025] UKUT 00276 (IAC), concerned an asylum seeker who received a refusal decision but was subsequently issued with a BRP stating “Refugee leave to remain.”
The First-tier Tribunal initially ruled that the BRP constituted a grant of leave, thereby treating the pending asylum appeal as abandoned under section 104(4A) of the Nationality, Immigration and Asylum Act 2002.
On appeal, the Upper Tribunal clarified the legal position. A BRP does not in itself grant leave to remain, it is an administrative document that evidences an earlier grant of leave.
Where a BRP is issued in error, no grant of leave arises, and an appeal cannot be deemed abandoned.
The Tribunal also confirmed that decisions to treat appeals as abandoned under section 104(4A) are not “excluded decisions,” and therefore fall within the Upper Tribunal’s jurisdiction to review.
The First-tier Tribunal’s decision was set aside, and the case will be re-heard.
This decision underscores the importance of distinguishing between the substantive grant of leave and the administrative issuance of a BRP. Mistaken issuance of documents cannot override statutory rights of appeal.
Conclusion
Both cases serve as reminders of the importance of legal safeguards in the immigration system when it comes to immigration tribunal decisions. The KW case highlights that applicants must be given a fair opportunity to respond to evidence before adverse decisions are made. The Guerrero case confirms that a BRP is not determinative of immigration status and cannot substitute for an actual grant of leave.
These judgments illustrate the value of expert legal representation in holding the Home Office to account where decision-making falls short of the standards required by law.](https://lisaslaw.co.uk/wp-content/uploads/2025/08/AdobeStock_284883829-scaled.jpeg "Gold coin Stack On the table save money Taking care of money - Lisa's Law Solicitors")
