She said, “I had no money at all.” Change into Indirect Speech
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Indirect Speech: She said that she had had no money at all.
Explanation: When the reporting verb is in the past (said) and the direct speech is in the past indefinite tense, then the indirect (reported) speech will change into the past perfect tense.
Past Indefinite Tense (had) > Past Perfect Tense (had had).
Note: Here ‘had’ is not an auxiliary verb (helping verb), so it is not a past perfect tense sentence. Instead, ‘had’ is itself a verb in this sentence. Therefore, the sentence is a past indefinite tense sentence (simple past tense).
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