'Your overdraft has been approved.' the bank said.
The bank said that my overdraft had been approved.
'Managed to get a cheap flight to Italy for your holiday.' said your travel agent.
My travel agent told me (that) he had managed to get a cheap flight to Italy for my holiday.
'What can you do to help Matthew pass his exams?' He asked me.
He asked me what I could do to help Matthew pass his exams.
'I want to be a scientist.'
She said (that) she wanted to be a scientist.
'I am having an operation tomorrow.'
She said (that) she was having an operation the following day/the day after.
'Do you study History at school?'
He asked me if I studied History at school
'Who do you think will win the race?'
He asked us who we thought would win the race.
'I'm having a check-up.'
She said (that) she was having a check-up.
'Are you having a check-up?'
She asked me if I was having a check-up.
'You have been promoted to senior manager.' your boss said.
My boss said (that) I had been promoted to senior manager.
'Where does it hurt?' the doctor asked me.
The doctor asked me where it hurt.
'I lost my appetite and I felt very sick yesterday.'
She told me (that) she had lost her appetite and (that)(she) had felt very sick the previous day/the day before.