I think what's actually changing in this sentence is not direct/indirect, but present/past. Present - "My new house is supposed to be haunted, but I so far haven't seen any ghosts." Present - "She says here new house is supposed to be haunted, but so far she hasn't seen any ghosts." Past - "My new house was supposed to be haunted, but until then I hadn't seen any ghosts." Past - "She said her new house was supposed to be haunted, but until then she hadn't seen any ghosts."

In addition to all the answers given above, you can also say: She said that her new house was supposed to be haunted, but she hadn’t seen any ghosts yet.

but that until then she hadn’t seen any ghosts but that till then she hadn’t seen any ghosts but that so far she hadn’t seen any ghosts