When do you put a full-stop after an ellipsis and are they used in reality in novels?

E.g. "I was ashamed...and afraid." Normal pause, so just ellipsis.

You need spaces before and after ellipsis and in-between. Some rules don't require spaces in between. Punctuation rules are the most flexible ones.

"I was ashamed... You couldn't understand." SPACE AFTER ELLIPSIS.

Spaces before and after ellipsis, please.

"I am not sure if I will every (typo) be able to forgive him­...."

If the ellipsis is used to replace words at the end of a sentence, you need a full stop. In the above sentence, I guess you are replacing "for what he did to me" or something with ellipsis. Then, you need to put a full stop.

E.g. "I was ashamed...you couldn't understand."

The reason you doesn't start with a capital letter is the clause is a part of the complex sentence, ellipsis is replacing "that" for a pause.

The below link seems to be helpful. Again, punctuation rules are not very strict.

http://www.really-learn-english.com/ellipsis.html

Hope it helps.