I got the impression that no breaker is ganged, so both panels are strictly 120V. When he refers to double breakers or "20 20", I think he means type BRD---two half-height breakers in a full-height slot.
Another possibility is that one of the two hots in the 50A plug/umbilical is simply unused. Again, determination of the wire gauge to the main breakers of both panels would be helpful.
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