**UNITEDSTATES**

**SECURITIESAND EXCHANGE COMMISSION**

**Washington, DC 20549**

 

**FORM 10-K**

**(MarkOne)**

 

| ý **ANNUAL REPORT PURSUANT  TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**                                                                                                                                                                                                                                                                                                  |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                                                                                                                                   |
| **For  the fiscal year ended December 31, 2005**                                                                                                                                                                                                                                                                                                                                                       |
| ** **                                                                                                                                                                                                                                                                                                                                                                                             |
| **or**                                                                                                                                                                                                                                                                                                                                                                                                 |
|                                                                                                                                                                                                                                                                                                                                                                                                   |
| **o****TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES  EXCHANGE ACT OF 1934**                                                                                                                                                                                                                                                                                                     |
|                                                                                                                                                                                                                                                                                                                                                                                                   |
| **For  the transition period from                                to                               ** |
|                                                                                                                                                                                                                                                                                                                                                                                                   |
| **Commission  file number:****333-119047-10**                                                                                                                                                                                                                                                                                                                                                          |

** **

**WELLSFARGO FINANCIAL AUTO OWNER TRUST 2005-A**

(Exact name of registrant as specified in its charter)

 

| **Delaware**                             |       | **51-6566803**      |
|------------------------------------------|------------|---------------------|
| (State or other jurisdiction of          |       | (I.R.S. Employer    |
| incorporation or  organization)          | ** ** | Identification No.) |
|                                     |       |                |
| **c/o Wilmington Trust Company**         |       |                |
| **Rodney Square North**                  |       |                |
| **1100 North Market Street**             |       |                |
| **Wilmington, Delaware**                 |       | **19890-0001**      |
| (Address of principal executive offices) |       | (Zip Code)          |

 

Registrant’stelephone number, including area code:**(302) 651-1000**

 

Securitiesregistered pursuant to Section 12(b) of the Act:  **None**

 

Securitiesregistered pursuant to Section 12(g) of the Act:  **None**

 

Indicateby check mark if the registrant is a well-known seasoned issuer, as defined inRule 405 of the Securities Act.  Yeso  No ý

 

Indicateby check mark if the registrant is not required to file reports pursuant toSection 13 or Section 15(d) of the Act. Yes o  No ý

 

Indicateby check mark whether the registrant (1) has filed all reports required to befiled by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant wasrequired to file such reports), and (2) has been subject to such filingrequirements for the past 90 days.

Yesý  No o

 

Indicateby check mark if disclosure of delinquent filers pursuant to Item 405 of RegulationS-K is not contained herein, and will not be contained, to the best of registrant’sknowledge, in definitive proxy or information statements incorporated byreference in Part III of this Form 10-K or any amendment to this Form10-K.  ý

 

Indicateby check mark whether the registrant is a large accelerated filer, anaccelerated filer, or a non-accelerated filer. See definition of “accelerated filer and large accelerated filer” inRule 12b-2 of the Exchange Act. (Check one):

 
| Large  accelerated filer  o | Accelerated filer  o | Non-accelerated filer  ý |
|----------------------------------|---------------------------|------------------------------------|

 

Indicateby check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Act).

Yeso  No ý

 

Theaggregate market value of the voting and non-voting common equity of theregistrant held by non-affiliates is $0.00.

 

Documentsincorporated by reference: **None**

 

 

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**PART I**

**Item 1.  Business.**

 

Omitted.

** **

**Item 1A.  Risk Factors.**

 

Omitted.

 

**Item 1B.  Unresolved StaffComments.**

 

None.

 

**Item 2.  Properties.**

 

Omitted.

 

**Item 3.  Legal Proceedings.**

 

Omitted.

 

**Item 4.  Submission of Matters toa Vote of Security Holders.**

 

Omitted.

 

**PART II**

 

**Item 5.  ****Market for Registrant’s CommonEquity, Related Stockholder Matters and Issuer Purchases of Equity Securities.**

 

Omitted.

 

**Item 6.  Selected Financial Data.**

 

Omitted.

 

**Item 7.  Management’s Discussionand Analysis of Financial Condition and Results of Operation.**

 

Omitted.

 

**Item 7A.  Quantitative andQualitative Disclosures About Market Risk.**

 

Omitted.

 

**Item 8.  Financial Statements andSupplementary Data.**

 

Omitted.

 

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**Item 9.  Changes in andDisagreements With Accountants on Accounting and Financial Disclosure.**

 

Omitted.

 

**Item 9A. Controls and Procedures.**

 

Omitted.

 

**Item 9B.  Other Information.**

 

None.

 

**PART III**

 

**Item 10.  Directors and ExecutiveOfficers of the Registrant.**

 

Omitted.

 

**Item 11.  Executive Compensation.**

 

Omitted.

 

**Item 12.  Security Ownership ofCertain Beneficial Owners and Management and Related Stockholder Matters.**

 

Omitted.

 

**Item 13.  Certain Relationshipsand Related Transactions.**

 

Omitted.

 

**Item 14.** **Principal Accounting Fees and Services.**

 

Omitted.

 

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**Item 15.  Exhibits, FinancialStatement Schedules.**

 

(a)   *Financial Statements, Financial Statement Schedules, Exhibits.*

 

The exhibits filed in response to Item 601 ofRegulation S-K are listed in the Exhibit Index.

 

(b)   *Exhibits*.

 

(i)            Theexhibits filed in response to Item 601 of Regulation S-K are listed in theExhibit Index.

 

(ii)           Thecurrent reports on Form 8-K attaching the related monthly Master Servicer’sReport were filed by Wells Fargo Financial Auto Owner Trust 2005-A on (A) July20, 2005 for the monthly period ending June 30, 2005, (B) August 19, 2005 forthe monthly period ending July 31, 2005, (C) September 20, 2005 for the monthlyperiod ending August 31, 2005, (D) October 18, 2005 for the monthly periodending September 30, 2005, (E) November 15, 2005 for the monthly period endingOctober 31, 2005, (F) December 15, 2005 for the monthly period ending November30, 2005 and (G) January 17, 2006 for the monthly period ending December 31,2005. All of the foregoing documents are hereby incorporated by reference.

 

(c)   *Financial Statement Schedules*.

 

Not applicable.

 

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**SIGNATURES**

 

Pursuant to the requirements of Section 13 or 15(d) of the SecuritiesExchange Act of 1934, the registrant has duly caused this report to be signedon its behalf by the undersigned, thereunto duly authorized.

 
|   | WELLS FARGO FINANCIAL AUTO OWNER TRUST 2005-A |
|--------|-----------------------------------------------|
|   |                                          |   |
|   | By:                                           | Wells Fargo Financial, Inc., |
|   |                                          |  as Master Servicer |
|   |                                          |   |
|   |                                          |   |
|   | By:                                           | /s/ Dean R. Anderson |   |
|   |                                          |  Name: Dean R. Anderson |
|   |                                          |  Title: Vice President |
|   |                                          |  Dated: March 20, 2006 |

 

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**EXHIBIT INDEX**

** **
| **Exhibit  Number** | ** ** | **Description**                                                                                                                                                                                  |
|---------------------|------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                |       |                                                                                                                                                                                             |
| 4.1                 |       | Amended & Restated Trust Agreement, between ACE Securities Corp.  and Wilmington Trust Company, dated as of June 16, 2005.*                                                                  |
|                |       |                                                                                                                                                                                             |
| 4.2                 |       | Indenture, dated as of May 31, 2005, between Wells Fargo Financial  Auto Owner Trust 2005-A, as Issuer, and JPMorgan Chase Bank, N.A., as  Indenture Trustee.*                                   |
|                |       |                                                                                                                                                                                             |
| 4.3                 |       | Sale and Servicing Agreement, dated as of May 31, 2005, among Wells  Fargo Financial Auto Owner Trust 2005-A, ACE Securities Corp., Wells Fargo  Financial, Inc., and JPMorgan Chase Bank, N.A.* |
|                |       |                                                                                                                                                                                             |
| 4.4                 |       | Administration Agreement, dated as of May 31, 2005, among Wells Fargo  Financial Auto Owner Trust 2005-A, Wells Fargo Financial, Inc., and JPMorgan  Chase Bank, N.A.*                           |
|                |       |                                                                                                                                                                                             |
| 4.5                 |       | Subservicing Agreement, dated as of May 31, 2005, between Wells Fargo  Financial, Inc., and Wells Fargo Financial Acceptance, Inc.*                                                              |
|                |       |                                                                                                                                                                                             |
| 10.1                |       | Sale Agreement, dated as of May 31, 2005, among Wells Fargo Financial  Acceptance, Inc., and Wells Fargo Financial Receivables, LLC.*                                                            |
|                |       |                                                                                                                                                                                             |
| 10.2                |       | Transfer Agreement, dated as of May 31, 2005, among certain  affiliates of Wells Fargo Financial Acceptance, Inc., and Wells Fargo  Financial Acceptance, Inc.*                                  |
|                |       |                                                                                                                                                                                             |
| 10.3                |       | Purchase Agreement, dated as of May 31, 2005, between Wells Fargo  Financial Receivables, LLC and ACE Securities Corp.*                                                                          |
|                |       |                                                                                                                                                                                             |
| 31.1                |       | Officer’s Certification Pursuant to Section 302(a) of the  Sarbanes-Oxley Act of 2002**                                                                                                     |
|                |       |                                                                                                                                                                                             |
| 99.1                |       | Annual Statement as to Compliance of Master Servicer**                                                                                                                                           |
|                |       |                                                                                                                                                                                             |
| 99.2                |       | Report of Independent Registered Public Accounting Firm**                                                                                                                                        |
|                |       |                                                                                                                                                                                             |
| 99.3                |       | Assertion of Management**                                                                                                                                                                        |

 

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*          Incorporatedby reference to the registrant’s Current Report on Form 8-K datedJune 16, 2005 and filed with the Securities and Exchange Commissionon June 22, 2005.

**       Filedherewith.

 

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