AFAIK NIB usually adjust their Trackers within 3 days of an ECB adjustment. NIB haven't contacted me or adjusted my mortgage downwards to reflect the January ECB cut (I think it was .5% on 14/01 effective from 21/01 or something). I note, according to my online banking, that my rate has been reduced but no letter or reduction in mortgage amount. Any NIB Tracker holders on AAM hear from NIB?