Earlier

Actually, I haven't noticed any anomaly in your answer until now. It is only now, after your last answer, that I understand that in a declarative question, unlike in an interrogative sentence, no question words like why, where, etc are present. If you use any question word, it is not a declarative but becomes interrogative and the word order has to be verb-subject-object. Thank you.

Have you spoken to me until now?

This is not right because 'until now' is used only when the situation changes to opposite. I haven't spoken to you until now since I am speaking to you now! You cannot say, I have spoken to you until now! This is strange though. I had thought 'until now' was synonymous to 'yet'. Who would have told me otherwise?! But you also cannot say, I have spoken to you yet! It has to be, I have spoken to you before.