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TREE WITH TPO GETTING IN THE WAY OF PLANNING AN EXTENSION
This is an example of what can happen. An application to reduce the crown of a mature oak tree by 4-5m, on the grounds the tree was causing subsidence. The application received 60 comments from members of the public, and there are 94 documents on the file. The case took 18 months to be decided, and the outcome was a refusal.
No reliance should be placed on the above! Absolutely none, do you hear?
I won't mention what I would do if I was your neighbour......
If you did what your post implies you'd do then you'd be risking a fine of up to £20,000, plus the potential cost of planting a suitable replacement tree.
Some people think they are really clever or brave and don't care about the legal consequences of their stupidity... until they get caught and then they start bleating about how they didn't know what they did was illegal.
Destroying a tree having been refused TPO consent is about as stupid as it gets.