A sentence is provided in direct speech. She said, “If only I hadn’t trusted him!”

Explanation:

Given (Direct Speech):
👉 She said, “If only I hadn’t trusted him!”

🔍 Key Concept: Expression of Regret

• The phrase “If only…” expresses strong regret about the past.

• In indirect speech, it is usually converted into:
  👉 “wished + past perfect”

🔁 Conversion:

• If only I hadn’t trusted him!
  → She said that she wished she hadn't trusted him. ✔️

❌ Why others are incorrect:

• She had regret that she had trusted him. ❌ → incorrect structure

• She said if only she hadn't trusted him. ❌ → still retains direct structure

• She wished she didn't trust him. ❌ → wrong tense (should be past perfect)

📌 Extra Facts (Exam Tips):

1. “If only” Rules:

   • Present regret → If only + past tense

   • Past regret → If only + past perfect ✔️

2. Indirect Speech Conversion:

   • If only… → wished that…

3. Memory Trick 🧠:
   👉 “If only (past regret)” → wish + had + V₃

📘 Conclusion:

👉 The correct indirect speech is:
She said that she wished she hadn't trusted him.