I would be grateful on any advice on whether I can still appeal this? If not, given I didn't receive the initial letter how can I get the fine reduced so I can pay the lower amount as opposed to £195?
It's very simple, but from now on you must be proactive, because the next stage is the council must register the debt, (the £195) at the Traffic Enforcement Centre, (a form of court. but NOT a County Court as they say on the CC). This adds £10 onto the £195 giving £205. The council then send you an Order for Recovery for the amount. At this stage you can then submit a Statutory Declaration that you didn't receive the PCN. The matter is then reverted back to the PCN stage at which point you can pay it or submit representations.
You only have a fixed number of days to submit the SD, so it is important to now check, after the period for payment on the CC has expired, to contact the TEC at about weekly intervals to find out whether the debt has been registered. Alternatively, if Havering have a webpage that shows you the current stage of the PCN and the amount outstanding, when that amount shows as £205 you can submit an SD without needing to receive the paper Order for Recovery. You can download the SD form from this website: -
https://www.gov.uk/government/collections/traffic-enforcement-centre-formsFor a London moving traffic offence PCN, the form is PE3. Do note that you are not the "applicant", which is Havering Council; you are the
Respondent.