<PAGE> 1
[WFS FINANCIAL LOGO]
WFS FINANCIAL 2000-C OWNER TRUST
Distribution Date Statement
for Master Service Report Date of October 31, 2000
for Distribution Date of November 20, 2000
================================================================================
<TABLE>
<CAPTION>
COLLECTIONS DOLLARS
<S> <C> <C> <C>
Payments received 137,755,034.39
Plus:
Servicer Advances 1,037,483.10
Reimbursement of holds 303,902.95
--------------
1,341,386.05
Less:
Reimbursement Advances
Funds deposited in Holds Account (294,537.02)
(787,831.69)
-------------
(1,082,368.71)
--------------
Total Funds Available for Distribution 138,014,051.73
==============
DISTRIBUTIONS
Servicing Fee 4,234,114.00
Trustee and Other Fees 3,759.14
Other Miscellaneous Payments 0.00
--------------
4,237,873.14
Note Interest Distributable Amount - Class A-1 4,505,938.67
Note Interest Distributable Amount - Class A-2 6,076,891.11
Note Interest Distributable Amount - Class A-3 8,879,527.22
Note Interest Distributable Amount - Class A-4 6,178,150.00
--------------
Total Interest Distribution 25,640,507.00
Note Principal Distributable Amount - Class A-1 104,871,209.06
Note Principal Distributable Amount - Class A-3
through A-4 0.00
--------------
Total Principal Distribution 104,871,209.06
--------------
Total Principal and Interest Distribution 130,511,716.06
Letter of Credit Fee 245,277.08
Spread Account Deposit 3,019,185.45
--------------
Total Distributions 138,014,051.73
==============
</TABLE>
<PAGE> 2
================================================================================
WFS FINANCIAL 2000-C OWNER TRUST
Distribution Date Statement
for Master Service Report Date of October 31, 2000
for Distribution Date of November 20, 2000
================================================================================
PORTFOLIO DATA:
<TABLE>
<CAPTION>
# of loans
<S> <C> <C> <C>
Beginning Security Balance 97,355 1,390,000,000.00
Less: Scheduled Principal Balance 0 (52,573,217.83)
Full Prepayments (3,921) (45,841,544.57)
Partial Prepayments 0 0.00
Liquidations (482) (6,456,446.66)
--------------
(104,871,209.06)
----------------
Ending Security Balance 92,952 1,285,128,790.94
================
OTHER RELATED INFORMATION:
Spread Account
Funded Amount:
Beginning Balance 0.00
Deposits 3,019,185.45
Reductions --
--------------
Ending Balance 3,019,185.45
Letter of Credit:
Beginning Balance 41,700,000.00
Reductions 0.00
--------------
Ending Balance 41,700,000.00
----------------
Total Spread Account 44,719,185.45
================
Modified Accounts:
Principal Balance 0.00% 0.00
Scheduled Balance 0.00% 0.00
Servicer Advances
Beginning Unreimbursed Advances: 0.00
New Advances 1,037,483.10
Advances Reimbursed (294,537.02)
--------------
Ending Unreimbursed Advances: 742,946.08
Holding Account:
Beginning Balance 0.00
Funds Deposited 787,831.69
Withdrawal to Collection Account (303,902.95)
--------------
Ending Balance 483,928.74
</TABLE>
<TABLE>
<CAPTION>
Net Charge-Off Data: # of loans
<S> <C> <C> <C>
Charge-Offs 365 2,052,381.74
Recoveries (126) (311,257.62)
--------------
Net Charge-Offs 239 1,741,124.12
</TABLE>
<TABLE>
<CAPTION>
Delinquencies ( P&I): # of loans
<S> <C> <C> <C>
30-59 Days 1346 17,103,667.24
60-89 Days 361 4,692,817.12
90-119 Days 115 1,415,760.26
120 days and over 2 25,929.31
Repossessions 89 762,979.14
Contracts Repurchased (pursuant to Sect. 3.02, 4.07, or 9.01
of the Sale and Servicing Agreement) 0 0.00
Charge-Off Percentage 1.51%
Delinquency Percentage 0.27%
WAC 15.0667%
WAM 58.205
====================================================================================================================================
</TABLE>
<PAGE> 3
WFS FINANCIAL 2000-C OWNER TRUST
Distribution Date Statement
for Master Service Report Date of October 31, 2000
for Distribution Date of November 20, 2000
<TABLE>
<CAPTION>
===================================================================================================================================
BEGINNING PRIOR CURRENT REMAINING TOTAL
ORIGINAL OUTSTANDING PRINCIPAL PRINCIPAL OUTSTANDING PRINCIPAL
PRINCIPAL PRINCIPAL PRINCIPAL CARRYOVER CARRYOVER PRINCIPAL PRINCIPAL AND INTEREST
CLASSES BALANCE BALANCE DISTRIBUTABLE SHORTFALL SHORTFALL DISTRIBUTION BALANCE DISTRIBUTION
===================================================================================================================================
<S> <C> <C> <C> <C> <C> <C> <C> <C>
A-1 247,000,000.00 247,000,000.00 104,871,209.06 0.00 0.00 104,871,209.06 142,128,790.94 109,377,147.73
A-2 332,000,000.00 332,000,000.00 0.00 0.00 0.00 0.00 332,000,000.00 6,076,891.11
A-3 481,000,000.00 481,000,000.00 0.00 0.00 0.00 0.00 481,000,000.00 8,879,527.22
A-4 330,000,000.00 330,000,000.00 0.00 0.00 0.00 0.00 330,000,000.00 6,178,150.00
===================================================================================================================================
TOTAL 1,390,000,000.00 1,390,000,000.00 104,871,209.06 0.00 0.00 104,871,209.06 1,285,128,790.94 130,511,716.06
===================================================================================================================================
</TABLE>
<TABLE>
<CAPTION>
===================================================================================================================================
PRIOR CURRENT
INTEREST INTEREST DEFICIENCY POLICY
NOTE INTEREST CALCULATED CARRYOVER CARRYOVER INTEREST CLAIM CLAIM
CLASSES RATE INTEREST SHORTFALL SHORTFALL DISTRIBUTION AMOUNT AMOUNT
===================================================================================================================================
<S> <C> <C> <C> <C> <C> <C> <C>
A-1 6.841% 4,505,938.67 0.00 0.00 4,505,938.67 0.00 0.00
A-2 7.01% 6,076,891.11 0.00 0.00 6,076,891.11 0.00 0.00
A-3 7.07% 8,879,527.22 0.00 0.00 8,879,527.22 0.00 0.00
A-4 7.17% 6,178,150.00 0.00 0.00 6,178,150.00 0.00 0.00
====================================================================================================================================
0.00 0.00
====================================================
====================================================
Note Percentage 100.00%
====================================================================================================================================
TOTAL 25,640,507.00 0.00 0.00 25,640,507.00
====================================================================================================================================
</TABLE>
<PAGE> 4
WFS FINANCIAL 2000-C OWNER TRUST
Delinquent Contracts Two or More P&I Payments
at End of Collateral Period
Under Section 4.09 (b) (v) of Service Agreement
for Master Service Report Date of October 31, 2000
===============================================================================
<TABLE>
<CAPTION>
ACCOUNT MONTHLY SCHEDULED MATURITY
NUMBERS P&I BALANCE DATE
------------------------------------------------------------------------------
<S> <C> <C> <C>
470183947 265.14 4,065.27 11/08/2001
1500004973 346.22 3,242.18 12/15/2000
1660005675 393.79 1,287.04 12/19/2000
1760004007 354.29 894.02 12/20/2000
1870002076 353.37 6,011.56 12/13/2001
1910001528 405.45 1,211.05 12/17/2000
5769003216 371.74 13,127.75 01/01/2005
5780011499 401.98 13,810.62 06/13/2004
5780011920 364.97 7,148.96 06/28/2002
5780012841 389.53 13,965.73 07/20/2004
5780014360 375.16 694.83 07/22/2003
5780015158 333.68 16,047.27 09/12/2005
5780021635 364.15 14,341.94 03/08/2005
5780023434 339.25 11,655.46 11/18/2004
5780023484 384.08 13,875.37 11/18/2004
5780023761 488.08 19,100.32 06/02/2005
5780024156 467.92 18,440.78 05/29/2005
5780024529 322.21 11,188.41 12/08/2004
5780024610 408.01 17,335.18 05/22/2005
5780024631 252.82 4,499.39 05/26/2005
5780024857 390.47 16,417.01 05/30/2005
5780024997 329.10 9,320.64 11/29/2003
5780025126 378.21 14,852.43 12/25/2004
5780025300 418.95 16,932.44 06/23/2005
5780026027 245.27 7,397.93 12/16/2003
5780026073 550.44 25,700.69 07/16/2006
5836002891 325.40 11,199.09 06/12/2004
5836007809 391.58 12,959.76 09/17/2004
5836008671 377.23 13,131.98 04/30/2005
5836008824 397.98 17,286.67 11/30/2005
5836008972 407.46 18,709.88 05/25/2006
5836009508 414.41 12,966.30 06/20/2004
5836009683 495.23 22,685.01 07/28/2006
5880004052 330.44 12,846.17 03/06/2005
5880004095 302.24 11,386.47 03/17/2005
5880004544 437.95 16,181.01 04/25/2005
5880005010 512.29 18,852.46 05/25/2005
5880005090 307.41 10,859.50 05/30/2005
5880005116 188.76 6,790.85 05/19/2005
5880005211 295.13 9,722.43 05/22/2004
5880005357 214.29 7,894.00 11/01/2004
5880005371 389.69 13,246.26 12/10/2004
5880005392 299.18 12,633.78 06/13/2005
5880005605 396.96 15,265.00 06/29/2005
5880005662 275.38 10,348.42 06/27/2005
5880005852 461.99 21,999.00 07/26/2006
5880006081 183.22 3,600.00 07/21/2002
5940002879 247.69 6,822.82 05/15/2003
5940004136 416.93 11,833.02 07/12/2003
5940005769 407.67 14,741.19 11/20/2004
5940006864 226.84 7,636.38 02/17/2005
5940007482 351.62 12,873.33 03/20/2005
5940007905 208.91 6,169.49 09/29/2003
5940008262 283.05 9,519.68 05/10/2004
5940008394 220.72 8,339.73 05/23/2005
5940008775 285.65 11,839.89 06/16/2005
5940009006 305.34 12,827.18 07/11/2005
5940009047 409.93 15,680.56 07/29/2005
7655012854 384.44 14,000.98 06/15/2004
</TABLE>
================================================================================
<PAGE> 5
WFS FINANCIAL 2000-C OWNER TRUST
Delinquent Contracts Two or More P&I Payments
at End of Collateral Period
Under Section 4.09 (b) (v) of Service Agreement
for Master Service Report Date of October 31, 2000
================================================================================
<TABLE>
<CAPTION>
ACCOUNT MONTHLY SCHEDULED MATURITY
NUMBERS P&I BALANCE DATE
------------------------------------------------------------------------------
<S> <C> <C> <C>
7655013548 361.84 14,857.00 01/16/2005
7655020356 368.97 13,707.97 03/20/2005
7655020698 455.42 17,631.28 03/20/2005
7655020977 287.76 8,164.31 10/12/2003
7655021465 493.69 19,763.66 04/12/2005
7655021747 523.03 23,572.25 04/15/2006
7655022416 348.39 10,649.49 11/04/2003
7655022444 366.67 14,285.15 05/05/2005
7655022513 240.81 9,902.07 04/26/2005
7655022699 384.26 17,232.09 05/17/2006
7655022863 173.27 6,619.65 05/15/2005
7655023163 412.55 16,314.11 05/28/2005
7655023440 283.05 8,311.25 12/26/2003
7655023892 501.44 20,004.11 01/13/2006
7655024035 450.71 18,215.12 06/29/2005
7655024218 557.63 21,103.76 07/14/2005
7690001548 260.40 9,272.37 06/10/2004
7690003270 360.52 12,341.06 02/10/2005
7690003607 650.79 28,935.70 02/25/2006
7690003713 405.74 13,049.36 03/03/2004
7690003761 540.89 18,969.79 03/06/2005
7690004414 594.60 25,857.42 05/29/2006
7690004484 352.87 14,997.51 06/02/2005
7690004568 415.46 16,227.78 06/17/2005
7690004641 288.79 12,222.87 06/14/2005
7690004831 337.79 13,121.41 07/14/2005
7690005074 353.01 17,136.56 07/20/2006
7710007289 462.39 17,699.47 03/08/2005
7710008332 360.94 14,068.77 04/27/2005
7750001672 336.82 11,436.36 06/19/2004
7750002241 310.05 8,651.63 10/08/2003
7750002370 371.61 13,083.59 11/14/2004
7750003908 379.99 14,631.35 05/24/2005
7750004022 689.41 30,002.26 06/06/2006
7760003764 335.64 13,392.52 06/21/2005
7760003863 349.44 11,898.14 06/04/2004
7760004299 342.60 12,281.37 07/06/2004
7760006768 324.09 13,165.99 12/20/2004
7760007110 262.89 7,878.03 01/22/2004
7760008237 429.76 18,454.11 03/30/2006
7760008917 482.73 20,781.76 10/24/2005
7760008974 456.88 16,298.16 05/18/2005
7760009053 369.68 14,163.09 05/16/2005
7760009217 387.10 18,199.81 05/15/2006
7760009349 458.69 20,501.66 05/13/2006
7760009745 376.91 16,828.07 06/16/2006
7760009945 539.40 25,994.88 05/21/2006
7760010175 250.00 9,782.64 07/11/2005
7760010186 354.25 242.59 06/24/2006
7760010614 359.71 12,229.35 01/21/2005
7770002523 484.13 17,387.83 10/23/2004
7770004143 477.69 19,171.48 04/20/2005
7770004333 537.04 24,313.00 05/20/2006
7770004369 251.00 8,232.86 05/05/2004
7770004460 310.78 11,490.00 05/17/2005
7770004683 173.25 5,500.00 05/30/2004
7770004925 344.99 14,181.37 06/19/2005
7770005323 562.36 20,809.00 07/14/2005
</TABLE>
================================================================================
<PAGE> 6
WFS FINANCIAL 2000-C OWNER TRUST
Delinquent Contracts Two or More P&I Payments
at End of Collateral Period
Under Section 4.09 (b) (v) of Service Agreement
for Master Service Report Date of October 31, 2000
================================================================================
<TABLE>
<CAPTION>
ACCOUNT MONTHLY SCHEDULED MATURITY
NUMBERS P&I BALANCE DATE
------------------------------------------------------------------------------
<S> <C> <C> <C>
7790002534 444.69 19,405.18 07/16/2005
7790002845 433.65 18,534.32 08/12/2005
7790003593 229.33 6,375.64 08/23/2003
7790004391 411.35 17,006.95 05/25/2005
7790005140 548.08 23,791.30 01/04/2006
7790006815 298.48 12,809.41 04/22/2005
7790007116 362.89 13,622.40 05/05/2005
7790007564 433.72 16,083.62 05/22/2005
7790007695 320.27 12,196.76 06/30/2005
7790008153 459.62 18,188.16 12/26/2005
7790008172 427.75 21,405.00 12/28/2006
7790008245 348.49 13,437.20 06/19/2005
7790008416 265.80 10,798.44 06/30/2005
7790008716 427.29 16,054.01 01/24/2005
7830001711 344.17 14,755.51 04/16/2005
7830003141 376.22 12,410.03 07/20/2004
7830003509 248.24 9,159.88 08/16/2004
7830005697 298.25 11,500.00 05/08/2005
7830005738 342.94 13,130.62 05/24/2005
7830005994 270.33 9,856.55 05/25/2005
7830006092 263.72 9,750.00 06/19/2005
7830006378 437.16 19,656.00 07/14/2006
7850005318 252.85 9,265.35 11/14/2004
7850006565 410.41 19,304.65 02/25/2006
7850006926 298.28 12,483.32 03/19/2005
7850007493 250.77 9,250.00 05/18/2005
7850007569 468.90 17,732.61 04/21/2005
7850007958 207.98 6,156.15 04/28/2004
7850008303 537.75 23,791.24 12/01/2005
7850008776 206.03 5,844.75 12/14/2003
7850008994 259.58 9,958.56 12/19/2005
7850009233 276.02 11,825.97 01/13/2006
7890001013 434.94 18,753.47 07/30/2005
7890002753 296.12 13,159.99 11/02/2005
7890002869 172.40 7,305.90 05/07/2005
7890002990 477.09 21,944.65 05/29/2006
7890003343 278.55 608.04 06/16/2005
7890003395 508.61 24,587.39 07/11/2006
7900002233 286.30 12,075.56 12/15/2004
7900004307 372.46 12,977.66 01/14/2005
7900005007 253.26 9,233.45 02/05/2005
7900005414 497.97 23,531.35 03/14/2006
7900005970 296.98 13,188.00 03/23/2005
7900006080 367.28 13,197.72 10/16/2004
7900006577 332.90 11,860.54 04/28/2005
7900006688 345.00 14,996.79 05/17/2005
7900007013 280.80 10,374.22 05/15/2005
7900007101 383.19 14,730.35 05/28/2005
7900007295 293.31 9,553.01 05/30/2004
7900007495 185.58 4,980.79 06/05/2003
7900007515 299.63 11,981.10 06/07/2005
7900007962 424.58 15,556.62 06/06/2005
7900008120 594.99 27,022.47 01/19/2006
7920003441 320.60 10,322.38 07/11/2004
7920005080 560.00 23,694.19 01/04/2006
7920005237 485.00 23,281.44 01/13/2006
7920006939 269.87 9,881.80 05/13/2005
7920007224 375.00 14,514.17 05/19/2005
</TABLE>
================================================================================
<PAGE> 7
WFS FINANCIAL 2000-C OWNER TRUST
Delinquent Contracts Two or More P&I Payments
at End of Collateral Period
Under Section 4.09 (b) (v) of Service Agreement
for Master Service Report Date of October 31, 2000
================================================================================
<TABLE>
<CAPTION>
ACCOUNT MONTHLY SCHEDULED MATURITY
NUMBERS P&I BALANCE DATE
------------------------------------------------------------------------------
<S> <C> <C> <C>
7920007390 560.00 21,938.55 06/26/2005
7920007426 342.73 11,309.04 09/14/2004
7920007441 470.46 21,026.33 06/27/2006
7920007520 325.82 13,398.50 06/23/2005
7920007946 326.71 11,970.89 01/26/2005
7970002282 466.01 18,298.84 08/15/2004
7970002479 521.72 24,611.45 07/25/2006
7970002621 305.03 10,483.00 08/25/2004
7970004205 354.06 12,147.02 03/25/2005
7970004546 259.61 8,782.74 04/24/2004
7970004895 320.00 13,879.74 05/27/2005
7970004949 313.38 12,563.71 12/11/2004
7970005166 322.16 11,161.02 07/05/2005
7970005277 405.74 17,403.37 06/28/2006
7980001595 520.11 22,357.40 08/01/2005
8150098301 238.06 6,752.92 08/11/2003
8150170290 195.20 6,304.78 06/01/2004
8150174680 236.86 5,994.00 06/28/2003
8150179002 324.66 12,072.87 07/24/2005
8200166678 359.09 12,542.97 09/16/2004
8200219543 387.56 16,854.76 02/19/2006
8200226480 353.90 14,486.82 02/16/2006
8200246249 325.00 13,633.83 05/23/2005
8200247601 639.83 25,704.04 05/17/2005
8200248963 375.03 17,180.65 05/28/2006
8200256206 259.43 345.29 05/19/2004
8200256974 298.45 7,871.10 06/30/2003
8270138347 328.92 8,950.33 08/17/2003
8270165456 317.19 10,194.89 05/04/2004
8270186684 295.49 8,590.15 01/01/2004
8270197103 246.09 7,646.35 02/10/2004
8270210344 285.97 7,138.03 03/03/2003
8270213843 359.69 13,241.18 03/03/2005
8270214858 286.09 8,384.70 02/21/2004
8270215780 253.60 6,894.56 08/15/2003
8270234187 396.60 15,378.85 04/29/2005
8270241190 365.14 13,325.81 04/29/2005
8270241869 331.18 9,367.68 10/30/2003
8270245787 355.89 13,415.81 05/12/2005
8270247031 240.51 6,257.41 08/10/2003
8270247106 261.07 6,331.38 05/06/2003
8270250415 212.96 5,793.39 10/29/2003
8270251785 312.77 5,321.54 05/22/2002
8270252668 295.92 10,891.44 05/24/2005
8270264564 352.89 10,038.74 12/21/2003
8270267740 417.82 15,980.18 07/16/2005
8270270413 259.06 6,561.84 06/23/2003
8270275628 293.23 9,290.61 06/25/2004
8320103937 386.77 7,094.76 06/02/2002
8320153510 404.10 14,215.23 11/21/2004
8320174052 301.43 9,944.74 03/15/2004
8320186353 359.35 11,152.95 03/10/2004
8320186692 327.44 11,945.90 03/22/2005
8320188201 260.54 9,695.14 03/16/2005
8320188276 569.10 20,692.30 03/18/2005
8320189795 585.46 25,209.90 03/21/2006
8320207621 248.82 7,675.77 11/14/2003
8320215285 379.08 10,559.04 05/25/2003
</TABLE>
================================================================================
<PAGE> 8
WFS FINANCIAL 2000-C OWNER TRUST
Delinquent Contracts Two or More P&I Payments
at End of Collateral Period
Under Section 4.09 (b) (v) of Service Agreement
for Master Service Report Date of October 31, 2000
================================================================================
<TABLE>
<CAPTION>
ACCOUNT MONTHLY SCHEDULED MATURITY
NUMBERS P&I BALANCE DATE
------------------------------------------------------------------------------
<S> <C> <C> <C>
8320220277 791.77 34,227.12 06/21/2005
8360059774 245.50 4,565.18 07/28/2002
8360086264 443.28 18,845.10 04/30/2005
8360094110 407.92 15,471.96 06/27/2005
8390212902 297.26 10,032.77 07/15/2004
8390222810 499.84 19,295.75 09/22/2004
8390257006 254.91 8,908.02 10/27/2004
8390277046 277.19 6,349.82 01/16/2003
8390292995 355.59 13,917.92 02/13/2005
8390306688 417.59 9,374.50 02/16/2003
8390309690 320.00 15,843.74 03/13/2006
8390311076 267.99 57.65 03/03/2004
8390320648 429.12 17,247.19 03/12/2005
8390323352 188.68 3,269.94 03/26/2002
8390335752 268.92 9,804.50 04/18/2005
8390346189 315.73 11,822.93 05/15/2005
8390353391 291.69 10,909.11 05/26/2005
8390355503 189.04 3,007.82 05/19/2002
8390363796 503.30 24,865.11 06/23/2006
8390373910 299.47 11,708.13 07/05/2005
8390376228 309.67 11,516.86 06/14/2005
8390376954 377.22 17,276.21 06/30/2006
8390387217 329.80 13,427.41 07/30/2005
8440063677 307.49 7,679.13 06/30/2003
8440066027 295.38 12,747.37 09/25/2005
8450042283 554.44 23,751.95 04/30/2006
8450043133 465.21 17,073.46 04/30/2005
8470084210 435.35 19,991.98 07/22/2005
8470087296 264.97 7,255.31 08/19/2003
8470089284 452.53 15,354.14 07/17/2004
8470123422 337.39 13,387.00 11/26/2004
8470129254 302.39 8,065.45 07/07/2003
8470136713 161.84 5,903.13 02/12/2005
8470137398 300.29 10,797.44 02/28/2005
8470150011 240.61 7,492.35 03/27/2004
8470151589 497.86 19,981.23 03/29/2006
8470157552 392.47 14,810.36 04/22/2005
8470158303 381.50 10,872.73 09/01/2003
8470161406 219.70 5,674.88 05/23/2003
8470161992 211.75 6,386.25 05/22/2004
8470166629 390.34 16,340.00 06/15/2006
8470168823 195.97 6,467.49 06/21/2004
8470170365 159.82 5,183.65 06/30/2004
8470174896 451.75 16,940.96 07/03/2005
8470175000 412.41 20,465.09 06/30/2006
8470180190 330.71 8,790.00 07/24/2003
8510078253 252.06 9,942.05 05/15/2005
8510079467 235.36 5,310.29 11/07/2002
8510081737 233.76 8,712.15 05/28/2005
8510084509 349.34 16,379.00 06/27/2006
8520107599 280.00 14,290.61 05/27/2006
8520107698 359.23 12,366.18 05/04/2005
8520108944 425.91 19,482.33 06/06/2006
8520114975 339.39 12,510.28 06/26/2005
8550173815 518.75 22,293.21 10/10/2005
8550175646 385.92 14,284.47 11/10/2004
8550176339 389.10 16,992.90 08/27/2005
8550204750 415.22 16,972.39 12/30/2004
</TABLE>
================================================================================
<PAGE> 9
WFS FINANCIAL 2000-C OWNER TRUST
Delinquent Contracts Two or More P&I Payments
at End of Collateral Period
Under Section 4.09 (b) (v) of Service Agreement
for Master Service Report Date of October 31, 2000
================================================================================
<TABLE>
<CAPTION>
ACCOUNT MONTHLY SCHEDULED MATURITY
NUMBERS P&I BALANCE DATE
------------------------------------------------------------------------------
<S> <C> <C> <C>
8550213645 413.98 20,087.91 02/10/2005
8550217604 406.21 14,934.01 01/02/2005
8550223081 396.53 16,954.70 02/12/2004
8550244665 350.96 17,589.38 08/23/2005
8550270496 447.34 19,894.99 04/19/2007
8550274449 141.85 18,987.21 11/26/2005
8550276279 450.76 3,523.45 03/07/2003
8550281170 498.82 14,613.61 06/11/2004
8550281741 423.44 16,255.85 06/12/2004
8550288001 350.07 22,016.54 06/15/2006
8550289793 455.25 13,523.68 06/13/2005
8550294637 575.70 14,336.49 05/22/2004
8550295782 671.39 27,261.38 06/24/2006
8550298075 603.36 28,104.79 06/23/2006
8550299271 301.46 26,404.79 05/24/2005
8550300053 497.78 7,607.30 07/12/2003
8550301218 658.65 22,517.01 06/30/2006
8550304204 463.15 29,058.14 06/28/2006
8550308304 544.57 20,424.21 06/27/2005
8590081075 395.62 23,240.16 08/23/2005
8590081752 333.54 14,637.92 06/28/2004
8590082974 457.21 17,888.35 08/25/2006
8590084533 374.47 18,695.78 07/31/2005
8590096057 420.74 13,676.97 11/11/2004
8590096503 267.54 17,941.18 11/17/2005
8590096917 525.68 9,147.38 10/12/2004
8590104596 499.43 25,209.47 12/18/2005
8590107623 458.84 21,484.61 12/24/2005
8590121152 418.94 17,356.33 03/18/2005
8590122507 406.38 18,628.35 03/20/2006
8590125674 344.39 17,062.66 03/31/2005
8590126557 668.93 10,555.79 03/30/2004
8590131375 599.95 26,715.60 05/08/2005
8590132399 387.31 26,516.26 04/28/2006
8590132779 377.63 10,106.05 05/27/2003
8590135574 556.32 17,128.63 05/27/2006
8590135616 251.54 21,783.39 05/13/2005
8590139394 360.28 8,500.00 12/03/2004
8590142216 469.53 13,824.08 05/17/2005
8590143206 280.89 18,764.26 07/03/2005
8590148742 250.86 10,801.67 07/16/2005
8630082685 286.29 9,296.79 07/18/2004
8630134163 337.03 8,069.82 04/24/2004
8630138164 479.99 13,400.45 05/30/2005
8630138966 248.01 19,173.47 04/23/2006
8630152033 166.19 8,090.00 07/20/2004
8670043091 201.84 3,777.50 03/24/2003
8670046755 507.41 7,801.25 12/07/2004
8670063032 189.91 20,581.26 06/30/2006
8670063826 245.61 8,300.00 07/13/2005
8680048199 376.82 8,851.25 03/25/2005
8680053371 162.20 14,524.77 05/13/2005
8700111849 466.54 3,702.07 03/19/2003
8700148858 300.88 19,040.25 02/15/2005
8700155002 288.46 10,556.96 07/25/2004
8700156141 210.77 7,333.13 07/20/2003
8700162271 199.20 3,349.21 02/17/2002
8700168377 198.06 723.51 02/28/2002
</TABLE>
================================================================================
<PAGE> 10
WFS FINANCIAL 2000-C OWNER TRUST
Delinquent Contracts Two or More P&I Payments
at End of Collateral Period
Under Section 4.09 (b) (v) of Service Agreement
for Master Service Report Date of October 31, 2000
================================================================================
<TABLE>
<CAPTION>
ACCOUNT MONTHLY SCHEDULED MATURITY
NUMBERS P&I BALANCE DATE
------------------------------------------------------------------------------
<S> <C> <C> <C>
8700193615 198.06 5,785.09 06/20/2003
8700201525 592.92 28,847.05 01/18/2006
8700212936 202.99 6,932.70 08/13/2004
8700218925 412.31 18,502.43 03/23/2006
8700220004 331.20 7,454.20 03/12/2003
8700221390 359.92 5,999.35 03/25/2002
8700222752 359.72 13,809.81 03/30/2005
8700223081 426.77 19,970.22 04/01/2006
8700223099 273.49 7,568.73 10/04/2003
8700223222 201.60 5,791.23 03/29/2004
8700226449 334.98 15,423.86 04/09/2006
8700231134 408.10 15,818.09 04/24/2005
8700235689 210.34 4,870.16 04/19/2003
8700236885 351.12 12,323.54 04/29/2005
8700237040 536.24 25,268.54 05/06/2006
8700238451 304.26 7,056.97 05/23/2003
8700246520 280.87 7,517.32 11/30/2003
8700248765 276.22 304.05 05/13/2005
8700250563 255.92 4,581.42 06/10/2002
8700251405 214.84 4,105.95 05/24/2002
8700254268 180.15 3,243.13 06/20/2002
8700255935 386.57 11,666.04 06/23/2004
8700258095 398.09 12,520.74 06/29/2004
8700263939 243.94 7,181.78 07/20/2004
8740050492 258.39 5,916.94 03/12/2003
8760157743 383.70 95.49 03/23/2006
8760166314 354.18 15,935.47 10/31/2005
8760167130 327.17 10,812.65 05/15/2004
8760168799 320.07 10,984.70 11/23/2004
8760178566 430.65 16,346.12 06/09/2005
8760187260 480.74 18,677.29 12/30/2005
8760187351 300.00 9,688.31 06/29/2004
8810136689 557.96 19,175.96 08/26/2004
8810146019 150.12 3,167.67 09/20/2002
8810146878 251.26 6,932.12 07/27/2003
8810152884 378.22 13,280.60 09/15/2004
8810158402 588.75 23,852.05 10/30/2005
8810170522 408.74 16,771.55 04/17/2005
8810170589 466.20 14,455.22 04/21/2004
8810171629 169.09 5,169.24 10/19/2003
8810172254 277.90 8,173.68 12/08/2003
8810173237 414.47 16,837.98 10/17/2005
8810195867 517.98 18,461.73 02/03/2005
8810212167 280.08 7,665.10 09/19/2003
8810216077 193.92 5,985.18 03/26/2004
8810218172 237.17 8,071.67 02/29/2004
8810220392 277.65 10,235.42 03/19/2005
8810224717 274.78 9,312.74 04/12/2004
8810229617 491.60 20,435.84 04/29/2005
8810233478 347.06 13,103.37 05/18/2005
8810233965 393.50 13,307.39 05/09/2004
8810234005 339.88 12,849.90 05/07/2005
8810238923 440.38 49.86 05/17/2006
8810248153 403.16 14,014.28 06/11/2005
8810248658 272.96 8,288.16 06/01/2004
8810248716 260.56 7,913.00 06/28/2004
8810252791 328.44 8,260.64 06/17/2003
8810252932 385.82 13,999.03 06/30/2005
</TABLE>
================================================================================
<PAGE> 11
WFS FINANCIAL 2000-C OWNER TRUST
Delinquent Contracts Two or More P&I Payments
at End of Collateral Period
Under Section 4.09 (b) (v) of Service Agreement
for Master Service Report Date of October 31, 2000
================================================================================
<TABLE>
<CAPTION>
ACCOUNT MONTHLY SCHEDULED MATURITY
NUMBERS P&I BALANCE DATE
------------------------------------------------------------------------------
<S> <C> <C> <C>
8810252957 763.96 30,869.75 07/03/2006
8810254334 323.53 10,520.45 12/18/2004
8810255125 341.22 12,903.14 12/24/2004
8810259390 358.03 15,580.85 07/14/2006
8810264242 359.85 9,082.63 07/26/2003
8810264754 464.36 16,975.57 01/28/2005
8810264960 438.60 19,943.13 07/23/2005
8810265777 230.14 6,304.80 01/13/2004
8810266593 368.42 13,500.20 07/24/2005
8850038174 326.97 12,070.99 09/04/2004
8850046755 384.05 13,235.06 12/14/2004
8850054619 231.56 8,284.92 02/24/2005
8850056143 428.73 17,225.11 08/28/2005
8850062794 554.45 21,517.45 11/14/2005
8850065573 507.87 20,000.00 06/16/2005
8850069260 316.70 12,209.06 07/20/2005
8880087064 330.06 11,100.86 07/18/2004
8880089896 249.58 8,909.50 08/17/2004
8880123661 583.45 25,414.20 03/12/2006
8880133926 378.41 15,667.64 04/21/2006
8880144493 437.37 16,004.63 06/13/2005
8880145201 424.81 19,354.86 05/20/2006
8880152785 359.79 10,926.91 07/12/2004
8920018457 145.56 3,892.79 03/23/2003
8920027318 517.53 23,110.48 07/19/2005
8920042127 227.65 6,477.60 11/20/2003
8920042457 260.17 8,622.92 10/25/2004
8920061507 329.19 12,358.29 03/20/2005
8920062380 384.88 13,806.78 03/18/2005
8920064725 260.49 7,667.35 03/28/2004
8920065250 248.59 8,452.20 03/21/2005
8920065268 312.90 1,611.57 03/27/2005
8920065995 483.35 17,713.17 04/23/2005
8920068346 327.71 13,237.38 04/25/2005
8920070359 298.70 13,118.17 11/10/2005
8920072660 285.31 9,984.40 05/15/2004
8920075606 296.48 8,788.62 12/03/2003
8920075903 235.00 7,372.35 12/19/2004
8920076539 204.95 7,235.17 06/30/2004
8920076570 439.64 17,509.50 06/30/2005
8920077271 592.61 21,715.13 07/07/2005
8920079947 423.76 15,879.49 07/31/2005
8920080291 313.11 12,510.19 07/29/2005
8970039982 396.30 14,825.59 07/24/2005
8970055236 385.37 20,095.01 04/18/2006
8970061127 318.36 11,892.70 06/30/2005
8970061796 268.80 472.72 01/12/2005
--------------------------------
163,871.74 6,007,481.66
================================
</TABLE>
================================================================================
<PAGE> 12
WFS FINANCIAL 2000-C OWNER TRUST
Officer's Certificate
for Master Service Report Date of October 31, 2000
for Distribution Date of November 20, 2000
================================================================================
Detailed Reporting
See Schedule F
WFS Financial Inc, as Master Servicer, certifies that all computations presented
reflect accurate information as of October 31, 2000 and were performed in
conformity with the Sale and Servicing Agreement dated August 1, 2000.
---------------------------------
Mark Olson
Senior Vice President
Controller
---------------------------------
Susan Tyner
Vice President
Assistant Controller