Keep dunning a bounced debit out of the direct-debit track

Once the direct debit bounced and the board sent the Rücklastschrift reminder,
the claim is expected as a transfer by the deadline that letter states. Three
places still treated it as a claim the mandate covers, and the housekeeper's was
the one the board kept running into: after the reminder's deadline lapsed, the
finding went back to "Lastschrift überfällig -- Einzug prüfen, eine postalische
Mahnung ist hier nicht vorgesehen", for a claim that had just been dunned.

The rule now asks whether the claim was dunned before treating it as one for the
direct debit. If it was, it continues in the ordinary dunning sequence: the
running deadline shows as the usual "Frist läuft noch" note, and once that has
passed the next dunning level comes due. The SEPA-specific pending-reminder
detour that used to cover the deadline window is gone with it -- the ordinary
path reports the same thing.

The SEPA run now skips a dunned claim as well, instead of quietly collecting the
money the letter asked the member to transfer (which can bounce a second time,
with a second fee). The skip is reported like the incomplete mandates are, so
nothing disappears from the run without saying why; the dialog's wording is no
longer specific to mandates.

And a dunning mail asks for a transfer even from a member with an active
mandate. The shipped template spells the bank details out, but the ready-made
{{payment.instructions}} paragraph, offered by the template editor for exactly
this mail, told them "wir ziehen den Betrag ein, du musst nichts weiter tun" --
in the letter demanding payment.

Reverting the sent reminder is what puts the claim back into the direct-debit
run; the read of "dunned" is a sent reminder, not a draft.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>

src/ccma/services/mail_composition.py

@@ -38,11 +38,14 @@ def payment_instructions(
     *,
     due_date: str,
     reference: str,
+    expect_transfer: bool = False,
 ) -> str:
     """Ready-made payment paragraph: members with an active mandate are told the
-    money is collected, everyone else gets the club's bank details."""
+    money is collected, everyone else gets the club's bank details. `expect_transfer`
+    overrides that for a claim the mandate no longer covers -- a dunned claim is
+    expected as a transfer even though the member still has a mandate."""
     organization = organization if isinstance(organization, dict) else {}
-    if member.mandate_active:
+    if member.mandate_active and not expect_transfer:
         mandate = member.mandate_reference.strip()
         mandate_hint = f" (Mandatsreferenz {mandate})" if mandate else ""
         return (