[HARD][DASHBOARD] Build driver repayment center with schedule, arrears, and progress tracking

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Overview

Build a full driver repayment center that helps drivers understand repayment obligations, progress toward ownership, arrears, due dates, and repayment history.

Problem

Drivers using ChainMove need a clear dashboard to track pay-to-own progress. The current experience should be expanded into a reliable repayment center that supports repayment schedules, missed/late payments, overpayments, and ownership completion progress.

Expected solution

Create a driver repayment dashboard with:

• active contract summary
• vehicle assigned to the driver
• total contract amount
• amount repaid
• outstanding balance
• next repayment due date
• repayment schedule table
• arrears/late payment status
• overpayment handling display
• repayment history
• ownership progress indicator
• empty state when no active contract exists

Backend considerations

If needed, add or improve APIs that calculate repayment status from contract and transaction data. Calculations should be consistent and not duplicated across frontend components.

Files likely involved

• driver dashboard pages/components
• repayment center UI
• contract/vehicle models
• transaction/payment models
• repayment API routes
• shared progress/table components

Acceptance criteria

• Driver can see repayment status and ownership progress clearly.
• Late/missed payments are displayed accurately.
• Overpayments are handled or displayed safely.
• Repayment history is shown in a table or timeline.
• Empty, loading, and error states are implemented.
• Data is scoped to the authenticated driver only.
• npm run lint and npm run build pass.

Suggested labels

dashboard, driver, payments, backend, frontend, hard

Difficulty

Hard