feat: add staged reminder workflow

tests/test_contributions.py

@@ -105,19 +105,31 @@ def test_payment_can_be_split_across_multiple_claims(tmp_path) -> None:
 def test_reminder_fee_increases_claim_and_is_audited(tmp_path) -> None:
     repository, member = _repository_with_claim(tmp_path)
 
-    reminder = repository.add_reminder(
+    reminder = repository.create_reminder_draft(
         member.member_id,
         "claim-1",
         level=1,
+        name="Zahlungserinnerung",
+        payment_deadline_days=14,
         detail="Per E-Mail versandt",
         fee="5.00",
     )
     data, claim = repository.get_claim(member.member_id, "claim-1")
 
+    assert claim_total(claim) == Decimal("100.00")
+    assert reminder["status"] == "draft"
+    assert reminder["fee_item_id"] is None
+
+    repository.mark_reminder_sent(member.member_id, "claim-1", reminder["reminder_id"])
+    data, claim = repository.get_claim(member.member_id, "claim-1")
+    sent = data.reminders[0]
+
     assert claim_total(claim) == Decimal("105.00")
-    assert reminder["fee_item_id"]
+    assert sent["status"] == "sent"
+    assert sent["payment_deadline"]
+    assert sent["fee_item_id"]
     assert data.reminders[0]["detail"] == "Per E-Mail versandt"
-    assert repository.get_events(member.member_id)[-1].event_type == "reminder_created"
+    assert repository.get_events(member.member_id)[-1].event_type == "reminder_sent"
 
 
 def test_claim_with_payment_cannot_be_cancelled(tmp_path) -> None:

tests/test_housekeeper.py

@@ -29,7 +29,11 @@ def test_housekeeper_reports_initial_payment_and_open_claims(tmp_path) -> None:
     )
 
     findings = Housekeeper(repository).run(today=date(2026, 2, 10))
-    assert {finding.code for finding in findings} == {"initial_payment_overdue", "claim_overdue"}
+    assert {finding.code for finding in findings} == {
+        "initial_payment_overdue",
+        "claim_overdue",
+        "reminder_due",
+    }
 
 
 def test_housekeeper_reports_birthdays_before_today_and_after(tmp_path) -> None:

tests/test_reminders.py

@@ -0,0 +1,136 @@
+from datetime import date, timedelta
+
+import pytest
+
+from ccma.domain.models import ContributionData
+from ccma.services.housekeeper import Housekeeper
+from ccma.storage.repository import MemberRepository, RepositoryError
+
+
+def _overdue_claim_repository(tmp_path):
+    repository = MemberRepository(tmp_path)
+    repository.initialize()
+    member = repository.create_member(first_name="Reminder", last_name="Test", birth_date="1990-01-01")
+    repository.save_contributions(
+        member.member_id,
+        ContributionData(
+            claims=[
+                {
+                    "claim_id": "claim-1",
+                    "claim_key": "overdue-test",
+                    "title": "Offene Forderung",
+                    "amount": "100.00",
+                    "due_date": "2026-01-31",
+                    "status": "open",
+                }
+            ]
+        ),
+    )
+    return repository, member
+
+
+def test_reminder_rule_progresses_only_after_sent_deadline(tmp_path) -> None:
+    repository, member = _overdue_claim_repository(tmp_path)
+    housekeeper = Housekeeper(repository)
+    findings = housekeeper.run(today=date(2026, 2, 10))
+    reminder_task = next(item for item in findings if item.code == "reminder_due")
+    assert "Zahlungserinnerung" in reminder_task.title
+
+    draft = repository.create_reminder_draft(
+        member.member_id,
+        "claim-1",
+        level=1,
+        name="Zahlungserinnerung",
+        payment_deadline_days=14,
+        fee="0.00",
+    )
+    findings = housekeeper.run(today=date(2026, 2, 10))
+    reminder_task = next(item for item in findings if item.code == "reminder_due")
+    assert "wartet auf Versand" in reminder_task.title
+
+    sent = repository.mark_reminder_sent(member.member_id, "claim-1", draft["reminder_id"])
+    deadline = date.fromisoformat(sent["payment_deadline"])
+    assert not any(
+        item.code == "reminder_due" for item in housekeeper.run(today=deadline - timedelta(days=1))
+    )
+    findings = housekeeper.run(today=deadline)
+    next_task = next(item for item in findings if item.code == "reminder_due")
+    assert "Erste Mahnung" in next_task.title
+
+
+def test_dunning_hold_suppresses_and_then_restores_task(tmp_path) -> None:
+    repository, member = _overdue_claim_repository(tmp_path)
+    housekeeper = Housekeeper(repository)
+    repository.set_dunning_hold(
+        member.member_id,
+        "claim-1",
+        active=True,
+        reason="Betrag wird geklärt",
+    )
+
+    assert not any(item.code == "reminder_due" for item in housekeeper.run(today=date(2026, 2, 10)))
+    with pytest.raises(RepositoryError, match="Mahnsperre aktiv"):
+        repository.create_reminder_draft(
+            member.member_id,
+            "claim-1",
+            level=1,
+            name="Zahlungserinnerung",
+            payment_deadline_days=14,
+        )
+    repository.set_dunning_hold(member.member_id, "claim-1", active=False)
+    assert any(item.code == "reminder_due" for item in housekeeper.run(today=date(2026, 2, 10)))
+
+
+def test_draft_can_be_cancelled_but_sent_reminder_cannot(tmp_path) -> None:
+    repository, member = _overdue_claim_repository(tmp_path)
+    draft = repository.create_reminder_draft(
+        member.member_id,
+        "claim-1",
+        level=1,
+        name="Zahlungserinnerung",
+        payment_deadline_days=14,
+    )
+    repository.cancel_reminder(member.member_id, "claim-1", draft["reminder_id"])
+    data = repository.get_contributions(member.member_id)
+    assert data.reminders[0]["status"] == "cancelled"
+
+    second = repository.create_reminder_draft(
+        member.member_id,
+        "claim-1",
+        level=1,
+        name="Zahlungserinnerung",
+        payment_deadline_days=14,
+    )
+    repository.mark_reminder_sent(member.member_id, "claim-1", second["reminder_id"])
+    with pytest.raises(RepositoryError, match="bereits versandte"):
+        repository.cancel_reminder(member.member_id, "claim-1", second["reminder_id"])
+
+
+def test_reminder_levels_cannot_be_skipped(tmp_path) -> None:
+    repository, member = _overdue_claim_repository(tmp_path)
+
+    with pytest.raises(RepositoryError, match="Mahnstufe 1 wurde noch nicht versandt"):
+        repository.create_reminder_draft(
+            member.member_id,
+            "claim-1",
+            level=2,
+            name="Erste Mahnung",
+            payment_deadline_days=14,
+            fee="5.00",
+        )
+
+
+def test_payment_resolves_open_reminder_task(tmp_path) -> None:
+    repository, member = _overdue_claim_repository(tmp_path)
+    housekeeper = Housekeeper(repository)
+    assert any(item.code == "reminder_due" for item in housekeeper.run(today=date(2026, 2, 10)))
+    repository.record_payment(
+        member.member_id,
+        "claim-1",
+        payment_date="2026-02-10",
+        amount="100.00",
+        allocation_amount="100.00",
+    )
+
+    findings = housekeeper.run(today=date(2026, 2, 10))
+    assert not any(item.code == "reminder_due" for item in findings)