Exhibit 99.1

                                                                          Page 1
Chase Manhattan Auto Owner Trust 2003-A
                                                 Statement to Certificateholders
                                                      November 15 2004


    DISTRIBUTION IN DOLLARS
             ORIGINAL             PRIOR                                                                              CURRENT
               FACE             PRINCIPAL                                                    REALIZED    DEFERRED   PRINCIPAL
   CLASS       VALUE             BALANCE    PRINCIPAL       INTEREST          TOTAL            LOSES     INTEREST    BALANCE
                                                                                            
A1        404,000,000.00              0.00           0.00           0.00               0.00   0.00       0.00                   0.00
A2        518,000,000.00     63,545,957.73  45,445,513.21      66,723.26      45,512,236.47   0.00       0.00          18,100,444.52
A3        520,000,000.00    520,000,000.00           0.00     658,666.67         658,666.67   0.00       0.00         520,000,000.00
A4        517,700,000.00    517,700,000.00           0.00     888,718.33         888,718.33   0.00       0.00         517,700,000.00
CERT       50,300,000.00     50,300,000.00           0.00      85,510.00          85,510.00   0.00       0.00          50,300,000.00
TOTALS  2,010,000,000.00  1,151,545,957.73  45,445,513.21   1,699,618.26      47,145,131.47   0.00       0.00       1,106,100,444.52




    FACTO  R 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        161581CR2      0.00000000     0.00000000    0.00000000      0.00000000         0.00000000      A1         1.200000 %
A2        161581CS0    122.67559407    87.73265098    0.12880938     87.86146037        34.94294309      A2         1.260000 %
A3        161581CT8  1,000.00000000     0.00000000    1.26666667      1.26666667     1,000.00000000      A3         1.520000 %
A4        161581CU5  1,000.00000000     0.00000000    1.71666666      1.71666666     1,000.00000000      A4         2.060000 %
CERT      161581CV3  1,000.00000000     0.00000000    1.70000000      1.70000000     1,000.00000000      CERT       2.040000 %
TOTALS                 572.90843668    22.60970806    0.84558122     23.45528929       550.29872862





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 2003-A
                                                      November 15 2004
                                                 STATEMENT TO CERTIFICATEHOLDERS


                                                                                                              
                                                      Due Period                                                                  17
                                                      Due Period Beginning Date                                             10/01/04
                                                      Due Period End Date                                                   10/31/04
                                                      Determination Date                                                    11/10/04

Section 5.8(iii)                        Servicing Fee                                                                     959,621.63
Section 5.8(iii)                        Servicing Fee per $1000                                                           0.47742370

Section 5.8(iv)                         Administration Fee                                                                  1,000.00
Section 5.8(iv)                         Administration Fee per $1000                                                      0.00049751

Section 5.8(vi)                         Pool Balance at the end of the Collection Period                            1,106,100,448.14

Section 5.8(vii)                        Repurchase Amounts for Repurchased Receivable
                                        By Seller                                                                               0.00
                                        By Servicer                                                                        48,067.57
                                        TOTAL                                                                              48,067.57

Section 5.8(viii)                       Realized Net Losses for Collection Period                                         204,787.73

Section 5.8(ix)                         Reserve Account Balance after Disbursement                                     19,356,757.84

Section 5.8(x)                          Specified Reserve Account Balance                                              19,356,757.84

Section 5.8(xi)                         Yield Supplement Account Balance                                                1,354,522.98

Section 5.8(xii)                        Total Distribution Amount                                                      50,168,600.21
                                        Servicing Fee                                                                     959,621.63
                                        Administration Fee                                                                  1,000.00
                                        Noteholders Distribution Amount                                                47,059,621.47
                                        Certficateholders Distribution Amount                                              85,510.00
                                        Deposit to Reserve Account                                                      2,062,847.11


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