Abillity to place a client's savings balance on hold

As reported by Robert Ippez at https://mifosforge.jira.com/browse/MIFOSX-2509

This fits into the more broader support of flagging/holding/freezing accounts for whatever configurable purpose described at: https://goo.gl/AJfSGL

In case a client has died and there are no proper documents to support transfer of ownership, such accounts should be placed on Hold - no transactions especially withdrawals should be permitted.

Hold Reason - (Code & Code values maybe):-

• Passbook loss
• Illegal entries (Fraud)
• Guarantying a loan
• Compulsory Savings (e.g 20% of Loan Amount)
• Hold for Fixed Deposit etc

Assumptions
When Account is on hold, closing of the account should not be permitted.
Available Balance i.e withdraw-able amount should be less than the (Hold Amount + Min Balance required)