the problem is that when you do a dir, you need to open a data connection.
In active mode, the server [20.20.20.1] opens the connections back to the client [10.10.10.1] but in this case the client is nated to [161.1.1.1].
So a connection is open from 20.20.20.1 to 161.1.1.1 which comes to the CSM which does not know what to do with this new connection and drops it.
The server [20.20.20.1] is probably sending a RESET back to the client because it can't open a data connection.
If you try passive mode [type passive once the ftp connection is open], it should normally work as the data connection would be open by the client itself.
Gilles.