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The word "whoa" is the word that American use to halt their horses, literally. When [horseback riding] or with a wagon, you pull on the reins and then say "whoa". "Nelly" was an old standard mare's name - not really a name because Farmer's didn't often name their work tools, the horse being a work tool, was simply, universally, called Nelly. When you wanted to stop a (female) horse, you'd say, of course, "Whoa Nelly". In modern English it's used to refer to anything (i.e. a car, a bike, a situation) or a person, who has become [out of control] and gone on ahead and done something unexpected - and then it's said [after the fact] to express shock, awe, or merely surprise, at the unexpected behavior.
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