You say, "I bought it of my own accord".

You say that you have been bought if of you own accord.

You say that you had bought it of you own accord.

You say that I bring it of my own accord.

You say that you bought it of you own acccord.

you say that you bought if of your own accord.

The 2nd Person Pronoun (i.e. you, yours) of the reported Speech is changed according to “object” of the reporting verb