               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) FebruaryMarch 15, 2005


                     NAVISTAR FINANCIAL 2003-A OWNER TRUST
             (Exact name of Registrant as specified in its charter)


                                    Delaware
                 (State or other jurisdiction of incorporation)



              333-67112-04                           32-6022141
      (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 8.01  Other Events.


           On  February March 15, 2005, the  Registrant  made  available  the
           Monthly Servicer Certificate for the Period of JanuaryFebruary 2005
           for the NAVISTAR FINANCIAL 2003-A OWNER TRUST, which is
           attached as Exhibit 20 hereto.


Item 9.01  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 2003-A OWNER TRUST
             (Exact name of Registrant as specified in its charter)



Date:  FebruaryMarch 2528, 2005                                       By:/s/ PAUL E. MARTIN
-----------------------                          --------------------------
                                                 Paul E. Martin
                                                 Vice President & Controller


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                                  EXHIBIT INDEX

Exhibit No.    Description

   20          Navistar Financial 2003-A Owner Trust
               Monthly Servicer Certificate #2122, dated FebruaryMarch 15, 2005


================================================================================


                                                                     EXHIBIT 20

                                   Navistar Financial 2003 - A Owner Trust
                                               For the Month of JanuaryFebruary 2005
                                      Distribution Date of FebruaryMarch 15, 2005
                                                Servicer Certificate  #2122

Original Pool Amount                                                                              $326,316,883.05
Subsequent Receivables (transferred 06/05/03)                              $67,372,775.52
Subsequent Receivables (transferred 07/07/03)                            $106,309,639.77
Subsequent Receivables (transferred xx/xx/xx)                                                $0.00
Subsequent Receivables (transferred xx/xx/xx)                                                $0.00
Beginning Pool Balance                                                                          $223215,012966,744477.6590
Beginning Pool Factor                                                                                        0.44602614319336

Principal and Interest Collections:
    Principal Collected (Incl. Servicer Advance Repay)              $68,825097,103260.2033
    Interest Collected                                                                              $1,357309,979900.7185
    Mandatory Prepayments                                                                                        $0.00
Additional Deposits:

    Repurchase Amounts                                                                                              $0.00

    Liquidation Proceeds / Recoveries                                                    $437303,714312.9774
Total Additional Deposits                                                                            $437303,714312.9774

Repos / Chargeoffs                                                                                          $221574,163474.5542
Aggregate Number of Notes Charged Off                                114                                    157

Total Available Funds                                                                                $89,620710,797473.8892

Ending Pool Balance                                                                                $215207,966294,477743.9015
Ending Pool Factor                                                                                              0.43193364145901

Servicing Fee                                                                                                    $185179,843972.9506
    memo: Servicer will allocate $1,500.00 of
          Servicing Fee as Administration Fee

Repayment of Servicer Advances                                                                              $0.00
--------------------------------------------------------------------------------

Memo Item - Reserve Account:
Prior Month Balance                                                                                  $1211,265878,700156.9628
Invest. Income                                                                                                    $2120,604913.0524
Excess Serv.                                               Service                                                   $1488,008,176712.6016
Transfer (to) Collections Acct                                                                              $0.00
                                                                                                                     -----------------
Beginning Balance                                                                                      $1312,295387,481781.6168
--------------------------------------------------------------------------------

Reserve Account:
    Beginning Balance  (see Memo Item)                                            $1312,295387,481781.6168
    Target Percentage                                                                                                 5.50%
    Target Balance                                                                                    $11,878401,156210.2887
    Specified Yield Supplement Amount                                                                $0.00
    Specified Yield Supplement Amount                                                                $0.00
    Specified Reserve Account Balance                                              $11,878401,156210.2887
    Minimum Balance                                                                                    $9,999,985.97
    (Release) / Deposit                                                                            ($1986,417,325570.3381)
                                                         ---------------------
    Ending Balance                                                                                    $11,878401,156210.2887
-----------------------------------------------------------------------------
Current Weighted Average APR:                                                                              7.097067%
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
Current Weighted Average Remaining Term (months):                                        34.7110
-----------------------------------------------------------------------------
Delinquencies                                                                                                            Dollars    Notes
    Installmen1s- 30 days                                                                          1,112211,929752.8350    1,159351
              31 - 60 days                                    240                                        222,637648.9846      305247
              60+  days                                        80                                           114,709133.6316       4493

       Total:                                                                                                  1,434548,277534.4412    1,176363
    Balances: 60+  days                                       701                                         1,261280,938.2087       4493


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Navistar Financial 2003 - A Owner Trust
For the Month of JanuaryFebruary 2005                                              
                                                                              NOTES
                                                                                 TOTAL               CLASS A - 1         CLASS A - 2     CLASS A - 3     CLASS A - 4    CLASS B NOTES
                                                                       $500,000,000.00 $85,000,000.00 $175,000,000.00   $113,000,000.00 $108,250,000.00 $18,750,000.00
Original Pool Amount

Distributions:
   Distribution Percentages  1                                                               0.00%           0.00%                     96.25%           0.00%          3.75%

   Coupon                                                                                                     1.2500%         1.3100%                   1.7300%         2.2400%        3.0800%

Beginning Pool Balance                           $223215,012966,744477.6590
Ending Pool Balance                                 $215207,966294,477743.9015

Collected Principal                                     $68,825097,103260.2033
Collected Interest                                       $1,357309,979900.7185
Charge - Offs                                                     $221574,163474.5542
Liquidation Proceeds / Recoveries             $437303,714312.9774
Swap Payments to/(from)Trust                   $0.00
Servicing & Administration Fee                   $185179,843972.9506
Investment Earnings from Pre-Funding Acct.       $0.00
Cash Transfer from Negative Carry Acct.             $0.00
Cash Transfer from Pre-Funding Acct.                   $0.00
Cash Transfer from Reserve Account                       $0.00
TtlTotal Collections Avail for Debt Svc     $89,434530,953501.9386

Beginning Balance                                     $223215,012966,744477.6590          $0.00           $0.00  $10396,212430,266234.7297 $108,250,000.00 $11,550286,477242.93

Interest Due 2                                                   $380370,510054.5895          $0.00           $0.00           $148139,797020.6826     $202,066.67     $2928,646968.2302
Interest Paid                                                     $380370,510054.5895          $0.00           $0.00           $148139,797020.6826     $202,066.67     $2928,646968.2302
Principal Due                                                 $78,046671,266734.75          $0.00           $0.00       $68,782346,031544.7570           $0.00    $264325,235190.0005
Mandatory Prepayments Class A-1 only **             $0.00          $0.00
Principal Paid                                               $78,046671,266734.75          $0.00           $0.00       $68,782346,031544.7570           $0.00    $264325,235190.0005

Ending Balance
Note/Certificate Pool Factor
     (Ending Bal/Original
            Pool Amt)                                    $215207,966294,477743.9015          $0.00           $0.00     $9688,430083,234690.9727 $108,250,000.00 $1110,286961,242052.9388
                                                          Note/Certificate Pool Factor)
   (Ending Balance/Original Pool Amt                         0.0000          0.0000                     0.85347795          1.0000         0.60195846
Total Distributions
                                                        $79,426041,777789.3370          $0.00           $0.00       $68,930485,829564.4396     $202,066.67    $293354,881158.2307

Interest Shortfall                                                       $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
   Total Shortfall                                                       $0.00          $0.00           $0.00                       $0.00           $0.00          $0.00
Excess Servicing
   (see Memo Item - Reserve Account)     $1488,008,176712.6016

   Beginning Reserve Acct Balance          $1312,295387,481781.6168
   (Release) / Draw                                        ($1986,417,325570.3381)
   Ending Reserve Acct Balance                $11,878401,156210.2887

 1) Principal distributions will be paid in the following priority:  First to Class A-1 until paid in full, second 96.25% applied
   sequentially to Class A notes and 3.75% to Class B notes until all Class A Notes are repaid in full, then 100% to Class B Notes.
 2) Class A-1 Interest based on Actual Number of Days. Interest  Interest for first settlement based off 11 days, from 06/05/03 to 06/16/03
for Class A-1.  , Class A-2, A-3, A-4 and Class B Interest calculated on 10 days   (06/05/03 to 06/15/03).

(* 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        $146167,006770.0306
   Total Outstanding Servicer Advances                      $2,717885,334104.6773
=================================================================


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Navistar Financial 2003 - A Owner Trust
For the Month of JanuaryFebruary 2005

Trigger EventEvents:
   A)  Loss Trigger
                  B)  Delinquency Trigger
                  C)  Noteholders Percent Trigger

                                                                                  5                                   4               3               2               1               0
                                     Aug-04             Sep-04                      Oct-04                     Nov-04                   Dec-04          Jan-05          Feb-05
Remaining Gross Balance                 $302,514,929.20    $290,321,911.20    $279,464,108.75 $268,684,607.55 $257,413,226.46 $247,293,535.85 $239,099,969.27

A)    Loss Trigger:
Principal of Contracts
      Charged Off                     $329,105.13        $188,461.96            $972,918.65     $130,444.51      $86,489.42     $221,163.55
Recoveries                           $314574,587474.27        42

Recoveries                             $343,966.22            $143,171.56     $129,128.81     $344,976.73     $437,714.97     $303,312.74

Total Charged Off
       (MonthsMths 5, 4, 3)             $1,490291,485825.7412
Total Recoveries
       (MonthsMths 3, 2, 1)                  $617911,277820.1051
                                                                    ----------------
Net Loss/(Recoveries)
       for 3 Mos                         $873380,208004.6461 (a)

Total Balance
       (MonthsMths 5, 4, 3)             $872838,300470,949627.1550 (b)

Loss Ratio Annualized                1[(a/b)*(12)]           0.20125439%

Trigger:  Is Ratio > 1.5%                                       No
                                                                                      Nov-04           Dec-04                    Jan-05            Feb-05
B)    Delinquency Trigger:
     Balance delinquency 60+ days                                                                                                    $1,101,594.18     $1,363,423.60           $701,261.20    $1,280,938.87
     As % of Remaining Gross Balance                                                                                                          0.4100052966%                 0.5296628357%                   0.2835753573%
     Three Month Average                                                                                                                                  0.4346445724%                 0.4572440774%                   0.4077444966%

Trigger:  Is Average > 2.0%                                   No

C)    Noteholders Percent Trigger:                 2.37562802%
     Ending Reserve Account Balance
     not less than 1% of Initial Aggregate
     Receivables Balance

Trigger:  Is Minimum < 1.0%                                   No

Beginning Balance -
      Back-up
      Servicer Account          Acct             $250,000.00
plus:      Monthly Interest Earned               $1,249441.7384
less:      Monthly Interest
          Earned Earned
             returned to     NFC               ($1,249441.7384)
less:      Activity for month                               $0.00
Ending Balance- Back-up
       Servicer Account         Acct   $250,000.00


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Filing Compare · NAVISTAR FINANCIAL RETAIL REC CORP 2003 A OWNER TRUST
