Exhibit 20.1

WFS FINANCIAL 2005-2 OWNER TRUST
Statement to Securityholders
for Collection Period ended July 31, 2005
for Distribution Date of August 17, 2005
Class A-1


Original Principal Balance				265,000,000.00

Aggregate Balances:			Totals		Per $1000 Orig Prin Balance

Principal Amount of Notes as of Prior Distribution Date				125,250,813.34		472.644579

Principal Amount of Notes as of Current Distribution Date				74,381,016.38		280.683081

Pool Factor				0.280683

Principal Distribution Amount:

Principal Distribution Amount	50,869,796.96					191.961498

Interest Distributable Amount:

Note Monthly Interest Distributable Amount	327,348.22					1.235276
Plus: Prior Interest Carryover	0.00					0.000000

Total Interest Distributable Amount	327,348.22					1.235276

Interest Distribution Amount	327,348.22					1.235276

Current Interest Carryover				0.00		0.000000

Aggregate Security Related Information:					Per $1000 Aggregate Orig Note Bal

Aggregate Principal Balance	1,327,107,630.03
Outstanding Amount of Notes	1,268,131,016.38

Excess	58,976,613.65


Overcollateralization Amount	68,808,688.73

Servicing Fee	1,428,846.00					0.979500

Beginning Spread Account Balance	7,500,000.00
Investment earnings on funds in spread account	16,639.79
Amount withdrawn from Spread Account	(7,516,639.79	)
Deposits	7,500,000.00
Excess Spread Amount	—

Ending Spread Account Balance	7,500,000.00


Net Collections	56,721,018.89

Delinquencies (P&I)
30-59 Days	14,928,445.44
60-89 Days	3,362,516.86
90-119 Days	864,859.41
120 days and over	59,383.11
Beginning Prefund Amount	—
Amount Withdrawn from Prefund Account	—

Ending Prefund Amount	—


Aggregate Excess Spread Amount	—
Total Initial Spread Deposit Repayment	—

Certificate Distributable Amount (LTD)	—

WFS FINANCIAL 2005-2 OWNER TRUST
Statement to Securityholders
for Collection Period ended July 31, 2005
for Distribution Date of August 17, 2005
Class A-2


Original Principal Balance				435,000,000.00

Aggregate Balances:			Totals		Per $1000 Orig Prin Balance

Principal Amount of Notes as of Prior Distribution Date				435,000,000.00		1000.000000

Principal Amount of Notes as of Current Distribution Date				435,000,000.00		1000.000000

Pool Factor				1.000000

Principal Distributable Amount:

Principal Distribution Amount	0.00					0.000000

Interest Distributable Amount:

Note Monthly Interest Distributable Amount	1,366,625.00					3.141667
Plus: Prior Interest Carryover	0.00					0.000000

Total Interest Distributable Amount	1,366,625.00					3.141667

Interest Distribution Amount	1,366,625.00					3.141667


Current Interest Carryover				0.00		0.000000

Aggregate Security Related Information:					Per $1000 Aggregate Orig Note Bal

Aggregate Principal Balance	1,327,107,630.03
Outstanding Amount of Notes	1,268,131,016.38

Excess	58,976,613.65


Overcollateralization Amount	68,808,688.73

Servicing Fee	1,428,846.00					0.979500

Beginning Spread Account Balance	7,500,000.00
Investment earnings on funds in spread account	16,639.79
Amount withdrawn from Spread Account	(7,516,639.79	)
Deposits	7,500,000.00
Excess Spread Amount	—

Ending Spread Account Balance	7,500,000.00


Net Collections	56,721,018.89

Delinquencies (P&I)
30-59 Days	14,928,445.44
60-89 Days	3,362,516.86
90-119 Days	864,859.41
120 days and over	59,383.11

Beginning Prefund Amount	—
Amount Withdrawn from Prefund Account	—

Ending Prefund Amount	—


Aggregate Excess Spread Amount	—
Total Initial Spread Deposit Repayment	—

Certificate Distributable Amount (LTD)	—

WFS FINANCIAL 2005-2 OWNER TRUST
Statement to Securityholders
for Collection Period ended July 31, 2005
for Distribution Date of August 17, 2005
Class A-3


Original Principal Balance				400,000,000.00

Aggregate Balances:			Totals		Per $1000 Orig Prin Balance

Principal Amount of Notes as of Prior Distribution Date				400,000,000.00		1000.000000

Principal Amount of Notes as of Current Distribution Date				400,000,000.00		1000.000000

Pool Factor				1.000000

Principal Distributable Amount:

Principal Distribution Amount	0.00					0.000000

Interest Distributable Amount:

Note Monthly Interest Distributable Amount	1,390,000.00					3.475000
Plus: Prior Interest Carryover	0.00					0.000000

Total Interest Distributable Amount	1,390,000.00					3.475000

Interest Distribution Amount	1,390,000.00					3.475000


Current Interest Carryover				0.00		0.000000

Aggregate Security Related Information:					Per $1000 Aggregate Orig Note Bal

Aggregate Principal Balance	1,327,107,630.03
Outstanding Amount of Notes	1,268,131,016.38

Excess	58,976,613.65


Overcollateralization Amount	68,808,688.73

Servicing Fee	1,428,846.00					0.979500

Beginning Spread Account Balance	7,500,000.00
Investment earnings on funds in spread account	16,639.79
Amount withdrawn from Spread Account	(7,516,639.79	)
Deposits	7,500,000.00
Excess Spread Amount	—

Ending Spread Account Balance	7,500,000.00


Net Collections	56,721,018.89

Delinquencies (P&I)
30-59 Days	14,928,445.44
60-89 Days	3,362,516.86
90-119 Days	864,859.41
120 days and over	59,383.11

Beginning Prefund Amount	—
Amount Withdrawn from Prefund Account	—

Ending Prefund Amount	—


Aggregate Excess Spread Amount	—
Total Initial Spread Deposit Repayment	—

Certificate Distributable Amount (LTD)	—

WFS FINANCIAL 2005-2 OWNER TRUST
Statement to Securityholders
for Collection Period ended July 31, 2005
for Distribution Date of August 17, 2005
Class A-4


Original Principal Balance				193,750,000.00

Aggregate Balances:			Totals		Per $1000 Orig Prin Balance

Principal Amount of Notes as of Prior Distribution Date				193,750,000.00		1000.000000

Principal Amount of Notes as of Current Distribution Date				193,750,000.00		1000.000000

Pool Factor				1.000000

Principal Distributable Amount:

Principal Distribution Amount	0.00					0.000000

Interest Distributable Amount:

Note Monthly Interest Distributable Amount	708,802.08					3.658333
Plus: Prior Interest Carryover	0.00					0.000000

Total Interest Distributable Amount	708,802.08					3.658333

Interest Distribution Amount	708,802.08					3.658333


Current Interest Carryover				0.00		0.000000

Aggregate Security Related Information:					Per $1000 Aggregate Orig Note Bal

Aggregate Principal Balance	1,327,107,630.03
Outstanding Amount of Notes	1,268,131,016.38

Excess	58,976,613.65


Overcollateralization Amount	68,808,688.73

Servicing Fee	1,428,846.00					0.979500

Beginning Spread Account Balance	7,500,000.00
Investment earnings on funds in spread account	16,639.79
Amount withdrawn from Spread Account	(7,516,639.79	)
Deposits	7,500,000.00
Excess Spread Amount	—

Ending Spread Account Balance	7,500,000.00


Net Collections	56,721,018.89

Delinquencies (P&I)
30-59 Days	14,928,445.44
60-89 Days	3,362,516.86
90-119 Days	864,859.41
120 days and over	59,383.11

Beginning Prefund Amount	—
Amount Withdrawn from Prefund Account	—

Ending Prefund Amount	—


Aggregate Excess Spread Amount	—
Total Initial Spread Deposit Repayment	—

Certificate Distributable Amount (LTD)	—

WFS FINANCIAL 2005-2 OWNER TRUST
Statement to Securityholders
for Collection Period ended July 31, 2005
for Distribution Date of August 17, 2005
Class B-1


Original Principal Balance				56,250,000.00

Aggregate Balances:			Totals		Per $1000 Orig Prin Balance

Principal Amount of Notes as of Prior Distribution Date				56,250,000.00		1000.000000

Principal Amount of Notes as of Current Distribution Date				56,250,000.00		1000.000000

Pool Factor				1.000000

Principal Distributable Amount:

Principal Distribution Amount	0.00					0.000000

Interest Distributable Amount:

Note Monthly Interest Distributable Amount	214,218.75					3.808333
Plus: Prior Interest Carryover	0.00					0.000000

Total Interest Distributable Amount	214,218.75					3.808333

Interest Distribution Amount	214,218.75					3.808333


Current Interest Carryover				0.00		0.000000

Aggregate Security Related Information:					Per $1000 Aggregate Orig Note Bal

Aggregate Principal Balance	1,327,107,630.03
Outstanding Amount of Notes	1,268,131,016.38

Excess	58,976,613.65


Overcollateralization Amount	68,808,688.73

Servicing Fee	1,428,846.00					0.979500

Beginning Spread Account Balance	7,500,000.00
Investment earnings on funds in spread account	16,639.79
Amount withdrawn from Spread Account	(7,516,639.79	)
Deposits	7,500,000.00
Excess Spread Amount	—

Ending Spread Account Balance	7,500,000.00


Net Collections	56,721,018.89

Delinquencies (P&I)
30-59 Days	14,928,445.44
60-89 Days	3,362,516.86
90-119 Days	864,859.41
120 days and over	59,383.11

Beginning Prefund Amount	—
Amount Withdrawn from Prefund Account	—

Ending Prefund Amount	—


Aggregate Excess Spread Amount	—
Total Initial Spread Deposit Repayment	—

Certificate Distributable Amount (LTD)	—

WFS FINANCIAL 2005-2 OWNER TRUST
Statement to Securityholders
for Collection Period ended July 31, 2005
for Distribution Date of August 17, 2005
Class C-1


Original Principal Balance				60,000,000.00

Aggregate Balances:			Totals		Per $1000 Orig Prin Balance

Principal Amount of Notes as of Prior Distribution Date				60,000,000.00		1000.000000

Principal Amount of Notes as of Current Distribution Date				60,000,000.00		1000.000000

Pool Factor				1.000000

Principal Distributable Amount:

Principal Distribution Amount	0.00					0.000000

Interest Distributable Amount:

Note Monthly Interest Distributable Amount	231,000.00					3.850000
Plus: Prior Interest Carryover	0.00					0.000000

Total Interest Distributable Amount	231,000.00					3.850000

Interest Distribution Amount	231,000.00					3.850000


Current Interest Carryover				0.00		0.000000

Aggregate Security Related Information:					Per $1000 Aggregate Orig Note Bal

Aggregate Principal Balance	1,327,107,630.03
Outstanding Amount of Notes	1,268,131,016.38

Excess	58,976,613.65


Overcollateralization Amount	68,808,688.73

Servicing Fee	1,428,846.00					0.979500

Beginning Spread Account Balance	7,500,000.00
Investment earnings on funds in spread account	16,639.79
Amount withdrawn from Spread Account	(7,516,639.79	)
Deposits	7,500,000.00
Excess Spread Amount	—

Ending Spread Account Balance	7,500,000.00


Net Collections	56,721,018.89

Delinquencies (P&I)
30-59 Days	14,928,445.44
60-89 Days	3,362,516.86
90-119 Days	864,859.41
120 days and over	59,383.11

Beginning Prefund Amount	—
Amount Withdrawn from Prefund Account	—

Ending Prefund Amount	—


Aggregate Excess Spread Amount	—
Total Initial Spread Deposit Repayment	—

Certificate Distributable Amount (LTD)	—

WFS FINANCIAL 2005-2 OWNER TRUST
Statement to Securityholders
for Collection Period ended July 31, 2005
for Distribution Date of August 17, 2005
Class D-1


Original Principal Balance				48,750,000.00

Aggregate Balances:			Totals		Per $1000 Orig Prin Balance

Principal Amount of Notes as of Prior Distribution Date				48,750,000.00		1000.000000

Principal Amount of Notes as of Current Distribution Date				48,750,000.00		1000.000000

Pool Factor				1.000000

Principal Distributable Amount:

Principal Distribution Amount	0.00					0.000000

Interest Distributable Amount:

Note Monthly Interest Distributable Amount	196,625.00					4.033333
Plus: Prior Interest Carryover	0.00					0.000000

Total Interest Distributable Amount	196,625.00					4.033333

Interest Distribution Amount	196,625.00					4.033333


Current Interest Carryover				0.00		0.000000

Aggregate Security Related Information:					Per $1000 Aggregate Orig Note Bal

Aggregate Principal Balance	1,327,107,630.03
Outstanding Amount of Notes	1,268,131,016.38

Excess	58,976,613.65


Overcollateralization Amount	68,808,688.73

Servicing Fee	1,428,846.00					0.979500

Beginning Spread Account Balance	7,500,000.00
Investment earnings on funds in spread account	16,639.79
Amount withdrawn from Spread Account	(7,516,639.79	)
Deposits	7,500,000.00
Excess Spread Amount	—

Ending Spread Account Balance	7,500,000.00


Net Collections	56,721,018.89

Delinquencies (P&I)
30-59 Days	14,928,445.44
60-89 Days	3,362,516.86
90-119 Days	864,859.41
120 days and over	59,383.11

Beginning Prefund Amount	—
Amount Withdrawn from Prefund Account	—

Ending Prefund Amount	—


Aggregate Excess Spread Amount	—
Total Initial Spread Deposit Repayment	—

Certificate Distributable Amount (LTD)	—

WFS Financial 2005-2 Owner Trust 8-K