If she finished talking on the phone I would tell her the story. 'If' does not work as a past lead-in here; it would have to read 'when' (since she could not talk on the phone forever) and represent a past habit. As it stands, it must be Conditional II (hypothetical present).
New words, one handy idiom, and a 2-minute quiz — delivered to your inbox to keep your streak alive.
TicceDo these sentences mean the same?
Whenever he came to see me, I would keep him waiting outside my door. = If he came to see me, I would keep him waiting outside my door.