If you are a beginning student of Japanese, I suggest that, for now, you think of these as two different "nans" and learn them separately.
The first nan is common and is used for emphasis. K-Yuuma's translation is very good. In other words, "It's you. It's really you." This nan is used commonly when there's an expectation that the people talking share the same information. So, another way to translate it might be "It's you. It's you [You know that's how I feel--I've demonstrated it or told you before]. Here's another example: think of a song where a women says she's going to leave a man. The man says "You can't leave me. I love you. You know I love you!" That is the function of nan in the your first example—to emphasize the speaker's emotions. Both of us know I love you! (or that you are the one for me!)
The second case is different. In this case, the nan still conveys emotion. But it carries a sense of disbelief or dismissiveness.
"I can't say it's fate" might be a way to translate it, but this fails to convey all of the nuance.
What they mean is "It might be fate, but I [just can't believe it]. Or [You might think it's fate, but I'm not so sure]. Or [People might call it fate, but who the heck are they to say? I don't really know the reason, but it ain't fate, that's for sure].