Exhibit 20.1


                                                                          Page 1

Chase Manhattan Auto Owner Trust 2004-A

                                               Statement to Certificateholders
                                               August 16 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    113,227,285.22  41,461,698.21      108,698.19     41,570,396.40        0.00       0.00     71,765,587.01
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  1,404,227,285.22  41,461,698.21    2,421,523.19     43,883,221.40        0.00       0.00  1,362,765,587.01




    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    366.43134375     134.18025311     0.35177408   134.53202718     232.25109065      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                 877.64205326      25.91356138     1.51345199    27.42701338     851.72849188





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

                                                August 16 2004
                                                STATEMENT TO CERTIFICATEHOLDERS



                                                                                                          
                                                                                   Due Period                                     5
                                                                                   Due Period Beginning Date               07/01/04
                                                                                   Due Period End Date                     07/31/04
                                                                                   Determination Date                      08/10/04

Section 5.8(iii)                        Servicing Fee                                                                  1,170,189.40
Section 5.8(iii)                        Servicing Fee per $1000                                                          0.73136837

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                           1,362,765,587.01

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                                        219,759.59

Section 5.8(ix)                         Reserve Account Balance after Disbursement                                    30,662,225.71

Section 5.8(x)                          Specified Reserve Account Balance                                             30,662,225.71

Section 5.8(xi)                         Yield Supplement Account Balance                                               6,095,972.10

Section 5.8(xii)                        Total Distribution Amount                                                     47,933,634.66
                                        Servicing Fee                                                                  1,170,189.40
                                        Administration Fee                                                                 1,000.00
                                        Noteholders Distribution Amount                                               43,797,221.40
                                        Certficateholders Distribution Amount                                             86,000.00
                                        Deposit to Reserve Account                                                     2,879,223.86


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