Page 1
Chase Manhattan Auto Owner Trust 2004-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           309,000,000.00              0.00            0.00           0.00           0.00       0.00     0.00                 0.00
A2           378,000,000.00    368,609,500.97   39,576,256.36     445,403.15  40,021,659.51       0.00     0.00       329,033,244.61
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  1,281,609,500.97   39,576,256.36   2,301,478.15  41,877,734.51       0.00     0.00     1,242,033,244.61




    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        0.00000000       0.00000000        0.00000000        0.00000000         0.00000000   A1        1.080000 %
A2       161581DH3      975.15740997     104.69909090        1.17831521      105.87740611       870.45831907   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                  801.00593811      24.73516023        1.43842384       26.17358407       776.27077788





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
                                                      November 15 2004
                                           STATEMENT TO CERTIFICATEHOLDERS


                                                                                                              
                                                      Due Period                                                                   8
                                                      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                                                                   1,068,007.92
Section 5.8(iii)                        Servicing Fee per $1000                                                           0.66750495

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                            1,242,033,244.61

Section 5.8(vii)                        Repurchase Amounts for Repurchased Receivable
                                        By Seller                                                                               0.00
                                        By Servicer                                                                        19,374.54
                                        TOTAL                                                                              19,374.54

Section 5.8(viii)                       Realized Net Losses for Collection Period                                         396,830.49

Section 5.8(ix)                         Reserve Account Balance after Disbursement                                     27,945,748.00

Section 5.8(x)                          Specified Reserve Account Balance                                              27,945,748.00

Section 5.8(xi)                         Yield Supplement Account Balance                                                5,302,026.64

Section 5.8(xii)                        Total Distribution Amount                                                      45,048,566.42
                                        Servicing Fee                                                                   1,068,007.92
                                        Administration Fee                                                                  1,000.00
                                        Noteholders Distribution Amount                                                41,791,734.51
                                        Certficateholders Distribution Amount                                              86,000.00
                                        Deposit to Reserve Account                                                      2,101,823.99



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