Fix #3, bank transfer reference incorrect when editing

[cambell-prince]

No description provided.

[FrontAccountingERP]

This patch removes reference templates handling for all payment/deposit transactions, even for new ones. While it can be disputable for edited transaction, it is not acceptable for new one. But also for transaction edition it introduces problems.
Say, your bank payment reference template has form {000}/{MM}, and you modify the transaction date during edition changing the month part from November to December, the reference should be changed to next available December reference, or you will end with unconsistent transaction numbering.

[cambell-prince]

This is now a partial fix, and I've also applied a fix in the context of PR #8, in this commit. Still this PR is closer to what is required and should do no harm, even with out PR #8.