FINERACT-2592: It does not allow rescheduling.

[EDSONZ-WASSWA]

Description

Background
When a borrower misses several payments, Fineract calculates penalty charges on each overdue installment. Up until this change, attempting to reschedule such a loan would fail immediately with a not.allowed.due.to.overdue.charges validation error, making it impossible to help borrowers who genuinely needed their repayment schedule restructured.
This was a real gap the most common reason a lender reschedules a loan is precisely because the borrower has fallen behind.

What this PR does
The system used to stop loan rescheduling completely whenever overdue penalty charges existed. Now it doesn't have to.
There's a new optional flag " waiveOverdueCharges" that a lender can pass when approving a reschedule. Set it to true and the system clears all outstanding overdue penalties right before building the new repayment schedule.
This practically makes sense:
when restructuring a loan, the lender usually wants to clear those penalties as part of the deal, so this just handles it in one step instead of two.
Leave the flag out or set it to false and nothing changes the original block stays in place. No decision made, no charges touched.
For the actual waiving, it hooks straight into the existing charge waiver logic, so you get the same audit trail and transaction records as a manual waiver through the User interface (UI).

Checklist

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this is the link to the jira ticket https://mifosforge.jira.com/issues?filter=-1&selectedIssue=WEB-479

[adamsaghy]

@EDSONZ-WASSWA We are not accepting WEB Jira ticket for backend changes. Please create an appropriate Apache Fineract JIRA ticket for this changes!

[IOhacker]

@EDSONZ-WASSWA make sure you have signed your commits