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>

tests/test_reminders.py

@@ -32,6 +32,15 @@ def _overdue_claim_repository(tmp_path):
     return repository, member
 
 
+def _sepa_member(repository, member):
+    member.iban = "DE89370400440532013000"
+    member.mandate_reference = "MANDATE-1"
+    member.mandate_signed_at = "2026-01-01"
+    member.mandate_active = True
+    repository.save_member(member)
+    return member
+
+
 def test_reminder_rule_progresses_only_after_sent_deadline(tmp_path) -> None:
     repository, member = _overdue_claim_repository(tmp_path)
     housekeeper = Housekeeper(repository)
@@ -136,11 +145,7 @@ def test_overdue_claim_and_reminder_finding_are_never_shown_at_once(tmp_path) ->
 
 def test_sepa_member_gets_debit_followup_instead_of_reminder(tmp_path) -> None:
     repository, member = _overdue_claim_repository(tmp_path)
-    member.iban = "DE89370400440532013000"
-    member.mandate_reference = "MANDATE-1"
-    member.mandate_signed_at = "2026-01-01"
-    member.mandate_active = True
-    repository.save_member(member)
+    _sepa_member(repository, member)
     housekeeper = Housekeeper(repository)
 
     findings = housekeeper.run(today=date(2026, 2, 10))
@@ -152,13 +157,12 @@ def test_sepa_member_gets_debit_followup_instead_of_reminder(tmp_path) -> None:
     assert "SEPA" in sepa_finding.detail
 
 
-def test_sepa_member_with_running_reminder_shows_awaiting_note_not_overdue(tmp_path) -> None:
+def test_a_dunned_sepa_claim_continues_in_the_normal_dunning_process(tmp_path) -> None:
+    """A bounced direct debit is dunned like any other claim: the money is expected as
+    a transfer from then on, so the "check the direct debit" notice must not come back
+    once the Rücklastschrift deadline has passed."""
     repository, member = _overdue_claim_repository(tmp_path)
-    member.iban = "DE89370400440532013000"
-    member.mandate_reference = "MANDATE-1"
-    member.mandate_signed_at = "2026-01-01"
-    member.mandate_active = True
-    repository.save_member(member)
+    _sepa_member(repository, member)
     housekeeper = Housekeeper(repository)
 
     draft = repository.create_reminder_draft(
@@ -177,20 +181,44 @@ def test_sepa_member_with_running_reminder_shows_awaiting_note_not_overdue(tmp_p
         for item in housekeeper.run(today=deadline - timedelta(days=1))
         if item.member_id == member.member_id
     ]
-
     assert not any(item.code == "sepa_debit_overdue" for item in findings)
-    awaiting = next(item for item in findings if item.code == "sepa_debit_awaiting_deadline")
+    awaiting = next(item for item in findings if item.code == "reminder_awaiting_deadline")
     assert awaiting.severity == "info"
     assert "Rücklastschrift" in awaiting.title
 
-    # Once the reminder's own deadline has passed without resolution, the plain SEPA
-    # follow-up notice returns so it doesn't just silently go quiet forever.
+    # Deadline gone by without payment: the next dunning level is due, not another
+    # "der Einzug muss geprüft werden".
     findings = [
-        item for item in housekeeper.run(today=deadline + timedelta(days=1))
+        item
+        for item in housekeeper.run(today=deadline + timedelta(days=1))
         if item.member_id == member.member_id
     ]
-    assert any(item.code == "sepa_debit_overdue" for item in findings)
-    assert not any(item.code == "sepa_debit_awaiting_deadline" for item in findings)
+    assert not any(item.code == "sepa_debit_overdue" for item in findings)
+    reminder_task = next(item for item in findings if item.code == "reminder_due")
+    assert "Erste Mahnung" in reminder_task.title
+    assert "Mahnstufe 2" in reminder_task.detail
+
+
+def test_an_undunned_sepa_claim_still_asks_to_check_the_debit(tmp_path) -> None:
+    repository, member = _overdue_claim_repository(tmp_path)
+    _sepa_member(repository, member)
+    housekeeper = Housekeeper(repository)
+
+    findings = [
+        item for item in housekeeper.run(today=date(2026, 2, 10)) if item.member_id == member.member_id
+    ]
+
+    # A draft alone changes nothing -- only a reminder that actually went out takes the
+    # claim out of the direct-debit run.
+    repository.create_reminder_draft(
+        member.member_id, "claim-1", level=1, name="Rücklastschrift", payment_deadline_days=14
+    )
+    still_sepa = [
+        item for item in housekeeper.run(today=date(2026, 2, 10)) if item.member_id == member.member_id
+    ]
+
+    assert {item.code for item in findings} == {"sepa_debit_overdue"}
+    assert {item.code for item in still_sepa} == {"sepa_debit_overdue"}
 
 
 def test_draft_can_be_cancelled_but_sent_reminder_cannot(tmp_path) -> None: