Mexina Daniel created FINERACT-363:
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             Summary: Penalty to be attached/updated to a loan account which 
was created when a loan product had no penalty/penalty with different amount 
                 Key: FINERACT-363
                 URL: https://issues.apache.org/jira/browse/FINERACT-363
             Project: Apache Fineract
          Issue Type: Bug
          Components: Charges
            Reporter: Mexina Daniel
            Assignee: Markus Geiss


1. Create a loan product without overdue charges (penalty) in Admin -> Product 
-> Loan Product -> Create Loan Product
2. Apply a loan account of that loan product to a client at Clients -> View 
Client -> New Loan
3. Approve a loan,  disburse and make few repayments
4. Then create a charge which is overdue (is penalty) in Admin -> Products -> 
Charges -> Create Charge
5. Go to that loan product and attach an overdue charge
What happens:
The applied penalty is also attached to that loan which was created before this 
update
Expected:
The loan account should not be updated if it was created before the change, the 
penalty should be applied to loan accounts that will be applied after update of 
loan product.

6. Update a penalty and change it's amount
What happens:
All loan accounts that the penalty is applied, the amount of the penalty will 
also change.
Expected:
The amount of the penalty should not change to the loan accounts that  were 
attached before the update of the penalty.



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