Sir, I was born in the Netherlands, came to England in 1961, to Scotland and Peebles in 1962 and applied for and was granted British Citizenship in 1989. That was for me a major decision. After an absence of over 15 years my wife and I have returned recently to Scotland and live a short distance from the Scottish/English border. Though we have followed the pros and cons of independence there remain for us many grey areas and below are a few.

If Scotland votes for independence I will have to make another important decision: do I stay British or will I become Scottish? And if I become Scottish what will happen to my state pension and how will its future value change in relation to the British state pension? And if I decide to remain British- if that is allowed - what happens to my National Health status; which country will pay for my medical expenses? And will I be allowed to vote? The answers to these questions are of course not only of interest to me but also to the many citizens born in England and who live in Scotland.

And what about the people born in Scotland - like my children - but who live outside Scotland can they elect to be Scottish or British and what are the implications if they decide one or the other?

For over 50 years I have banked with a well-known Scottish bank. Will, after independence, my money be guaranteed at the same level as at present by the UK government? Or would it be in my best interest to change to a bank based in England?

At present when I land at Edinburgh airport from Amsterdam, Paris etc. I need to show my passport. If Scotland becomes independent and joins the EU it will have to accept the Schengen agreement, i.e. no borders between (most) EU countries. That means if I fly from Amsterdam or Paris into Edinburgh I will not need to show my passport.

When I come from Amsterdam or Paris etc. into London I will have to show my passport at the UK Border, just as at present. These checks at the UK Border are made, I assume, for very good reasons. Is it therefore not likely that when I want to do my weekly shopping across the border in England I will be asked on the English side for my passport?

And if Scotland votes yes and if it is allowed to join the EU will the Scots be given an in or out vote as the English and Welsh may have or will we just have to accept what the Scottish Government thinks is best for us?

I am, etc.

Pieter van Dijk Woodlands Park Foulden