[(1) An agreement that is made by an authorised person in contravention of section 20 is unenforceable against the other party if the agreement is entered into in the course of carrying on a credit-related regulated activity involving matters falling within section 23(1C)(a).
(2) The other party is entitled to recover—
(a) any money or other property paid or transferred by that party under the agreement, and
(b) compensation for any loss sustained by that party as a result of having parted with it.
(3) In subsections (1) and (2) “agreement” means an agreement—
(a) which is made after this section
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