A. Rafiq said to me, 'you were a lair'
B. Rafiq says to me, 'you are a liar'
C. Rafiq told me, 'you are a liar'
D. Rafiq said to me, 'you are a liar'
Explanation: For Direct to indirect-When the sentence is not exclamatory and reporting verb is in the past (said) and the direct speech is in the present indefinite tense (simple present tense), then the indirect (reported) speech will change into the past indefinite tense.Present Indefinite Tense > Past Indefinite Tense.For indirect to direct - vice versa.
