Exhibit 20.1


                                                                         Page 1

Chase Manhattan Auto Owner Trust 2004-A

                                                Statement to Certificateholders
                                                July 15 2004




        DISTRIBUTION IN DOLLARS
                  ORIGINAL          PRIOR                                                                                   CURRENT
                   FACE           PRINCIPAL                                                  REALIZED    DEFERRED         PRINCIPAL
CLASS             VALUE            BALANCE          PRINCIPAL       INTEREST          TOTAL    LOSES     INTEREST           BALANCE
                                                                                           
A1          309,000,000.00     157,532,369.26   44,305,084.04     141,779.13  44,446,863.17     0.00       0.00      113,227,285.22
A2          378,000,000.00     378,000,000.00            0.00     456,750.00     456,750.00     0.00       0.00      378,000,000.00
A3          462,000,000.00     462,000,000.00            0.00     800,800.00     800,800.00     0.00       0.00      462,000,000.00
A4          411,000,000.00     411,000,000.00            0.00     969,275.00     969,275.00     0.00       0.00      411,000,000.00
CERT         40,000,000.00      40,000,000.00            0.00      86,000.00      86,000.00     0.00       0.00       40,000,000.00
TOTALS    1,600,000,000.00   1,448,532,369.26   44,305,084.04   2,454,604.13  46,759,688.17     0.00       0.00    1,404,227,285.22






    FACTOR INFORMATION PER $1000 OF ORIGINAL FACE                                                                PASS-THROUGH RATES
                            PRIOR                                                      CURRENT                              CURRENT
                          PRINCIPAL                                                   PRINCIPAL        CLASS              PASS THRU
CLASS     CUSIP            FACTOR          PRINCIPAL     INTEREST       TOTAL           FACTOR                                 RATE
                                                                                          
A1        161581DG5      509.81349275   143.38214900   0.45883214   143.84098113       366.43134375      A1              1.080000 %
A2        161581DH3    1,000.00000000     0.00000000   1.20833333     1.20833333     1,000.00000000      A2              1.450000 %
A3        161581DJ9    1,000.00000000     0.00000000   1.73333333     1.73333333     1,000.00000000      A3              2.080000 %
A4        161581DK6    1,000.00000000     0.00000000   2.35833333     2.35833333     1,000.00000000      A4              2.830000 %
CERT      161581DL4    1,000.00000000     0.00000000   2.15000000     2.15000000     1,000.00000000      CERT            2.580000 %
TOTALS                   905.33273079    27.69067753   1.53412758    29.22480511       877.64205326




IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT, PLEASE CONTACT THE
ADMINISTRATOR LISTED BELOW:
Kelly M Crosson
JPMorgan Chase Bank - Structured Finance Services
4 NY Plaza, 6th floor,
New York, New York 10004
Tel: (212) 623-5439
Fax: (212) 623-5932
Email: kelly.crosson@jpmorgan.com

                  Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved.



                                                                         Page 2

Chase Manhattan Auto Owner Trust 2004-A
                                                          July 15 2004
                                                STATEMENT TO CERTIFICATEHOLDERS



                                                                                                          
                                                                 Due Period                                                       4
                                                                 Due Period Beginning Date                                 06/01/04
                                                                 Due Period End Date                                       06/30/04
                                                                 Determination Date                                        07/09/04

Section 5.8(iii)      Servicing Fee                                                                                    1,207,110.31
Section 5.8(iii)      Servicing Fee per $1000                                                                            0.75444394

Section 5.8(iv)       Administration Fee                                                                                   1,000.00
Section 5.8(iv)       Administration Fee per $1000                                                                       0.00062500

Section 5.8(vi)       Pool Balance at the end of the Collection Period                                             1,404,227,285.22

Section 5.8(vii)      Repurchase Amounts for Repurchased Receivable
                      By Seller                                                                                                0.00
                      By Servicer                                                                                              0.00
                      TOTAL                                                                                                    0.00

Section 5.8(viii)     Realized Net Losses for Collection Period                                                          217,838.25

Section 5.8(ix)       Reserve Account Balance after Disbursement                                                      31,595,113.92

Section 5.8(x)        Specified Reserve Account Balance                                                               31,595,113.92

Section 5.8(xi)       Yield Supplement Account Balance                                                                 6,367,337.05

Section 5.8(xii)      Total Distribution Amount                                                                       51,247,601.47
                      Servicing Fee                                                                                    1,207,110.31
                      Administration Fee                                                                                   1,000.00
                      Noteholders Distribution Amount                                                                 46,673,688.17
                      Certficateholders Distribution Amount                                                               86,000.00
                      Deposit to Reserve Account                                                                       3,279,802.99




                  Copyright(C)2001 J.P. Morgan Chase & Co. All rights reserved.