Replacement front yard tree

Hard to understand your post. I gather you are allergic to Oak trees and would like to remove the one you have. You want to replace it with another type tree. The HOA is not giving you approval to do this? What kind of tree are you planning on replacing with? Have you gone to the HOA or written them your plans?

HOA isn't being that "unfair" if your not making yourself clear enough to them to make the decision. Trees are a big deal in a HOA. It is a matter of size does matter. So the HOA can deny your request if the tree will cause issues later in life.

Example: Bradford pear trees are beautiful. However, once they mature they become nuisance trees. The limbs break off easily and can get too big causing many issues. We had one bigger than the house in the front yard. After we took it down, we started banning Bradford Pears even though the original builder put them in. 30 years after the builder was gone these trees became huge issues/liabilities.

So have you worked with your HOA for the proper take down of the tree? Do you want them to pay for it? Are you going to pay for it? Did you want them to buy and/or plant a new tree? The HOA may not spend this money on your project. It is overall best to ask permission than forgiveness in a HOA.