              UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549


                                    FORM 8-K


                                 CURRENT REPORT
                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934



         Date of Report (Date of earliest event reported) OctoberDecember 15, 2004


                     NAVISTAR FINANCIAL 2002-B OWNER TRUST
             (Exact name of Registrant as specified in its charter)


                                    Delaware
                (State or other jurisdiction of incorporation)



              333-67112-03                            36-6039332
      (Commission File Number)            (I.R.S. Employer Identification No.)




 2850 West Golf Road Rolling Meadows, Illinois             60008
   (Address of principal executive offices)             (Zip Code)



         Registrant's telephone number including area code 847-734-4000


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                    INFORMATION TO BE INCLUDED IN THE REPORT


Item 58.01  Other Events.


                     On OctoberDecember 15, 2004, the Registrant made available the
                     Monthly Servicer Certificate for the Period of SeptemberNovember 2004
                     for the NAVISTAR FINANCIAL 2002-B OWNER TRUST,  which  is
                     attached as Exhibit 20 hereto.


Item 79.01  Financial Statements and Exhibits.


         (c)      See attached Exhibit 20.


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                                   SIGNATURE


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.


                      NAVISTAR FINANCIAL 2002-B OWNER TRUST
             (Exact name of Registrant as specified in its charter)



Date:  OctoberDecember 2122, 2004                                   By:/s/ PAUL E. MARTIN
-----------------------                         --------------------------
                                                Paul E. Martin
                                                Vice President & Controller


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                                  EXHIBIT INDEX

Exhibit No.    Description

   20          Navistar Financial 2002-B Owner Trust
               Monthly Servicer Certificate #2325, dated OctoberDecember 15, 2004




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                                   EXHIBIT 20

                                     Navistar Financial 2002 - B Owner Trust
                                             For the Month of SeptemberNovember 2004
                   Distribution Date of OctoberDecember 15, 2004
                          Servicer Certificate  #2325

Original Pool Amount                                                                                     $476,822,132.57
Subsequent Receivables (transferred 11/19/02)                                   $141,557,526.95
Subsequent Receivables (transferred 12/18/02)                                   $111,641,313.30
Subsequent Receivables (transferred 01/30/03)                                     $94,264,588.13
Subsequent Receivables (transferred 02/18/03)                                     $25,713,811.37
Beginning Pool Balance                                                                                 $319290,751202,092141.5102
Beginning Pool Factor                                                                                               0.37617803414145

Principal and Interest Collections:
     Principal Collected (Incl. Servicer Advance Repay)                 $1312,887992,214012.6411
     Interest Collected                                                                                   $21,082837,230251.9415
     Mandatory Prepayments                                                                                             $0.00
Additional Deposits:

     Repurchase Amounts                                                                                                   $0.00

     Liquidation Proceeds / Recoveries                                                         $555200,748657.7771
Total Additional Deposits                                                                                   $555200,748657.7771

Repos / Chargeoffs                                                                                                 $149104,780401.0711
Aggregate Number of Notes Charged Off                                    198                                       192

Total Available Funds                                                                                     $1615,380029,548920.2897

Ending Pool Balance                                                                                       $305277,858105,743727.8780
Ending Pool Factor                                                                                                     0.35983413260070

Servicing Fee                                                                                                           $266241,459835.2412
     Memo: Servicer will allocate $1500.00 of Servicing Fee
        as Administrative Fee
Repayment of Servicer Advances                                                                               $144,6460.0700
--------------------------------------------------------------------------------
Memo Item - Reserve Account
     Prior Month Balance                                                                               $1716,586999,310987.0945
     Trans Base                                                                                                                   $0.00
     Trans Low/0%                                                                                                               $0.00
     Invest. Income                                                                                                 $2124,462315.2863
     Excess Serv.                                                                                                 $1877,340,251993.5974
     Transfer (to)                                                                                                             $0.00
                                                           ---------------------
     Collections Acct
     Beginning Balance                                                                                   $1817,948902,023296.9682
--------------------------------------------------------------------------------
 Reserve Account:
     Beginning Balance  (see Memo Item)                                                 $1817,948902,023296.9682
     Target Percentage                                                                                                     5.50%
     Target Balance                                                                                         $1615,822240,230815.9103
     Specified Yield Supplement Amount                                                                     $0.00
     Specified Yield Supplement Amount                                                                     $0.00
     Specified Reserve Account Balance                                                   $1615,822240,230815.9103
     Minimum Balance                                                                                       $16,999,987.45
     (Release) / Deposit                                                                                ($1902,948,036309.5138)
     Ending Balance                                                                                         $16,999,987.45
--------------------------------------------------------------------------------
Current Weighted Average APR:                                                                                     7.516471%
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Current Weighted Average Remaining Term (months):                     30                         29.8732
--------------------------------------------------------------------------------
Delinquencies                                                                                                           Dollars    Notes
                                                                                                              ------------------  --- --------
     Installments:                                                    1 - 30 days             2,341220,890228.1942    2,279252
                                                                                       31 - 60 days         415       382,042096.6407      395514
                                                                                          60+  days         181          199,987567.06      10152       93

     Total:                                                                                                     2,938801,919892.8901    2,318272

     Balances:                                                              60+  days               1,999919,116592.18      10186       93


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Navistar Financial 2002 - B Owner Trust
For the Month of SeptemberNovember 2004


                                                                                                                                                        NOTES
                                                         TOTAL                CLASS A - 1     CLASS A - 2        CLASS A - 3a (3)   CLASS A - 3b       CLASS A - 4   CLASS B NOTES
Original Pool Amount   Amt      $850,000,000.00 $162,000,000.00 $230,000,000.00 $215,000,000.00 $25,000,000.00 $184,000,000.00 $34,000,000.00
Distributions:
    Distribution Percentages  1                   0.00%           0.00%          86.00%         10.00%           0.00%         4.00%
    Coupon                                      1.6200%         1.9200%        2.0100035000%        2.6400%         3.5200%       5.2700%

Beginning Pool Bal         $319290,751202,092141.5102
Ending Pool Balance   Bal        $305277,858105,743727.8780

Collected Principal         $1312,742992,568012.5711
Collected Interest             $21,082837,230251.9415
Charge - Offs                           $149104,780401.0711
Liquidation Proceeds
    /Recoveries                       $555200,748657.7771
Swap Payments to/
    (from)Trust                       ($5519,652733.0688)
Servicing &
         Administration Fee        $266241,459835.2412
Investment Earnings from
         Pre-Funding Acct                        $0.00
Negative Carry Amount           Amt               $0.00
Cash Transfer from
         Pre-Funding Acct           .            $0.00
Cash Transfer from
         Reserve Account            Acct                 $0.00
TtlTotal Collections
     Avail Avail
    for Debt Service    $1614,058768,436351.9897

Beginning Balance           $319290,751202,092141.54            06          $0.00                     $0.00     $10478,347935,606507.24 96  $129,133178,442547.6046 $184,000,000.00 $1918,270088,043085.7064

Interest Due 2                         $825793,836945.75            01          $0.00                     $0.00            $174154,782582.2404     $2620,693192.5780     $539,733.33     $8479,627436.6184
Interest Paid                           $825793,836945.75            01          $0.00                     $0.00            $174154,782582.2404     $2620,693192.5780     $539,733.33     $8479,627436.6184
Principal Due                     $13,892096,348413.64            22          $0.00                     $0.00      $11,947262,419915.8337  $1,389309,234641.8632           $0.00    $555523,693856.9553
Mandatory Prepayments
         Class A-1 only              $0.00                      $0.00
Principal Paid                   $13,892096,348413.64            22          $0.00                     $0.00      $11,947262,419915.8337  $1,389309,234641.8632           $0.00    $555523,693856.9553

Ending Balance
Note/Certificate               $305277,858105,743727.90            84          $0.00                     $0.00      $9267,400672,186592.41 59  $107,744868,207906.7414 $184,000,000.00 $1817,714564,349229.7511
    Note/Certificate Pool Factor
    (Ending
         Balance/
        Original Pool Amt)                                   0.0000                   0.0000                      0.42983148         0.42983148          1.0000         0.55045166
Total Distributions         $1413,718890,185358.39            23          $0.00                     $0.00      $1211,122417,202497.0741  $1,415329,928834.4312     $539,733.33       $640 603,321293.5637

Interest Shortfall                             $0.00                      $0.00                     $0.00                        $0.00          $0.00           $0.00          $0.00
Principal Shortfall                           $0.00                      $0.00                     $0.00                        $0.00          $0.00           $0.00          $0.00
    Total Shortfall                           $0.00                      $0.00                     $0.00                        $0.00          $0.00           $0.00          $0.00


Excess Servicing
  (see Memo
     Item
        -Reserve Acct        $1877,340,251993.5974

  Beginning Reserve
            Acct Balance      Bal        $1817,948902,023296.9682
 (Release) / Draw                ($1902,948,036309.5138)
 Ending Reserve
            Acct Balance      Bal        $16,999,987.45

1) Principal distributions will be paid in the following priority:  First to Class A-1 until paid in full, second 96.00% applied
sequentially to Class A notes and 4.00% to Class B notes until all Class A Notes are repaid in full, then 100% to Class B Notes.
2) Class A-1  and Class A-3a  Interest based on Actual Number of Days.   Interest  for first settlement based off 27 days, from
11/19/02-12/15/02 for Class A-3a and Class A-1. Class A-3 Interest based on One Month Libor +25 bp.  Class A-2, A-3b,A-4 and
Class B Interest calculated on 30 days.
3) LIBOR was reset on 1012/13/04 at 12.8700040250%.  The Interest Rate on the Class A-3a   Floating Rate Notes for the 111/1518/0405 Distribution
Date is 2.1200062520%.


(* x represents previously paid interest to other classes.)
(* y represents previously paid interest and principal onotheron other classes.)
----------------------------------------------------------------
Memo Item - Advances:
   Servicer Advances - Current Reporting  ( Period     $144530,646815.07)05
   Total Outstanding Servicer Advances               $45,648763,927778.3874
----------------------------------------------------------------


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Navistar Financial 2002 - B Owner Trust
For the Month of SeptemberNovember 2004


Trigger Events:
A) Loss Trigger
B) Delinquency Trigger
C) Noteholders Percent Trigger
                                        5                                       4               3                              2               1               0
                                      Apr                                     Jun-04             May               Jul-04           JunAug-04          Jul         Sep-04           Aug          Oct-04          SepNov-04

Remaining Gross Balance                     $452,781,072.30   $434,527,266.23 $413,544,831.86       $391,661,691.93 $373,595,871.39 $353,810,949.29 $337,549,364.40 $320,289,303.27

A) Loss Trigger:
Principal of Contracts 
    Charged Off                          $631,527.41       $487,698.46     $230,896.27               $502,756.30     $208,429.13     $149,780.07
Recoveries                                  $665357,810186.54       63     $544104,756401.32     11
Recoveries                          $357,484.43               $484,772.96     $641,713.91     $555,748.77     $321,171.75     $200,657.71

Total Charged Off (Months 5,4,3)     $1942,350,122081.1470
Total Recoveries (Months 3,2,1)          $1,483518,971634.3043
                                                                     ---------------
Net Loss/(Recoveries) for 3 Mos           ($133576,849552.1673)(a)

TotalTtl Balance (Months 5,4,3)         $1,300178,853802,170395.3918 (b)

Loss Ratio Annualized [(a/b)*(12)]                -0.12355869%

Trigger: Is Ratio > 1.5%                                              No

                                                                                      JulSep-04            AugOct-04           Sep            Nov-04
B) Delinquency Trigger:
     Balance delinquency 60+ days                                                                                                   $21,159999,373116.96    18     $21,232477,917157.76    57     $1,999919,116592.1886
     As % of Remaining Gross Balance                                                                                                         0.5513456502%                   0.5976843761%                   0.5650259933%
     Three Month Average                                                                                                                                 0.5674257135%                   0.5668953344%                   0.5713553399%

Trigger: Is Average > 2.0%                                          No

C) Noteholders Percent Trigger:
     Ending Reserve Account Balance              2.0000%
     not less than 1% of Initial Aggregate
     Receivables Balance

Trigger: Is Minimum < 1.0%                                          No


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Filing Compare · NAVISTAR FINANCIAL RETAIL REC CORP 2002 B OWNER TRUST
