UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

~~WASHINGTON~~Washington, DCD.C. 20549

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of ~~report~~Report (~~Date~~date of earliest event reported): ~~July~~January 266, ~~2005~~2006

WFS Financial Inc

(Exact Name of Registrant as Specified in its Charter)

California		33-93068		33-0291646
(State or Other Jurisdiction of Incorporation)		(Commission File Number)		(IRS Employer Identification No.)


California (State or Other Jurisdiction of Incorporation or Organization)		000-26458 (Commission File Number)		33-0291646 (I.R.S. Employer Identification No.)

23 Pasteur, Irvine, California 92618-3804 (Address of Principal Executive Offices) (Zip Code)

(~~Address~~949) 727-1002 (Registrant’s oftelephone ~~Principal~~number, including ~~Executive~~area ~~Offices~~code)~~(Zip Code)~~

~~Registrant’s~~(Former ~~telephone~~Name ~~number~~or Former Address, ~~including~~if ~~area~~Changed ~~code:~~Since ~~(949~~Last Report) ~~727-1002~~

Not Applicable

(Former Name or Former Address, if Changed since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ ý Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

Item 2.02 Results of Operations and Financial Condition Item 9.01 Financial Statements and Exhibits SIGNATURE EXHIBIT INDEX EXHIBIT 99.1


	Item 8.01 Other Events.
	Item 9.01 Financial Statements and Exhibits.
SIGNATURE
Index to Exhibits
EXHIBIT 99.1

Item 28.0201 ~~Results~~Other ~~of Operations and Financial Condition~~Events.

On ~~July~~January 266, ~~2005~~2006, WFS Financial Inc ~~issued~~announced athat ~~press~~its ~~release~~shareholders ~~announcing~~have approved its acquisition ~~results~~by ofWachovia ~~operations~~Corporation ~~for~~ through the ~~quarter~~merger ~~ended~~of ~~June 30,~~WFS ~~2005~~Financial Inc with a newly formed subsidiary. A copy of ~~that~~the press release is attached tohereto ~~this Form 8-K~~ as Exhibit 99.1 and is incorporated herein by ~~this~~ reference.

Item 9.01 Financial Statements and Exhibits.

		(a)		Not Applicable
		(b)		Not Applicable
		(c)		List of documents filed as part of this report:
				Exhibit 99.1 — WFS Financial Inc Press Release of July 26, 2005

99.1 Press Release, dated January 6, 2006

SIGNATURE

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

	WFS FINANCIAL INC,
	WFS FINANCIAL INC, a California corporation
July 26, 2005	By:	/s/ Robert J. Costantino
Date: January 6, 2006	By:	/s/ Robert J. Costantino
		Robert J. Costantino
		Senior Executive Vice President, Chief Financial Officer and Chief Operations Officer

~~EXHIBIT~~Index ~~INDEX~~to Exhibits

EXHIBIT NO.		DESCRIPTION OF EXHIBIT
Exhibit		Description
99.1		~~WFS Financial Inc~~ Press Release, ofdated ~~July~~January 266, ~~2005~~2006

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