Where are you?

1. I'm at where we had seperated. Or

I'm at where we seperated.

2. That's exactly what I needed. Or

That's exactly what I need.

Which is correct and native? Thanks!
What does #1 mean? You're telling a story and you've gotten to the point in the narrative when you broke up?

#2 ... what I need if you need it right now.
I'm at the place where we separated.
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Hi Grammar Geek,

I'm talking to my mom on the cell w/ mom and she asked, "Where are you right now?"

I reply with, "I'm at the place where we had seperated."

Please correct!
 Mister Micawber's reply was promoted to an answer.
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