20 Francs 1934 — Uncirculated?

Very hard to grade these owing to lack of fine detail on the coins when struck.

I think I detect minimal wear on the highest points of the right-hand leaves on the reverse, so I'd say Good EF (UK grade). A French coin dealer would prtobably market it as 'Superbe'.

I can't see any of the telltale parallel scratches that indicate a harsh cleaning, but I can't see any lustre either, so the coin may have been dipped. It's hard to tell as the photos are a bit washed out.

In my experience these coins usually have a yellowish toning - here is my 1938 specimen, which I'd grade as EF and which still has quite a but of lustre, especially on the reverse:

I homestly can't remember. I bought it from a coin shop in Lille in 1979 when I was teaching English in a French school as part of my University course. I don't think it was more than about 20 or 30 francs (then about $4 to $6). These coins effectively only circulated for two years as they were hoarded when the Germans occupied France in 1940 and within a short time the silver content was worth more than face value.

I have to check if I have a return policy. The thing is that I've bought coins from multiple regions around the planet and it's only the collectors and numismatists in the US that absolutely abhor cleaning of coins and I understand why. Once a coin gets cleaned not only it gets damaged but it also loses its real identity as a coin, specially if the coin is rare and if high quality. On APMEX I see BU Morgan selling for $60 and then cleaned BU selling for $2-$3 less than the uncleaned ones. Should I really stay away from buying the coin if it is cleaned? If yes, Why?

I personally can't see any of the obvious parallel scratches that would indicate a harsh cleaning. It could have been dipped at some time to remove an uneven one, or maybe the seller's photos just make it look a bit washed out and unnaturally white. It wouldn't put me off buying it - it's a high grade foreign coin and you never know when another one might come up - it's not something like a 1964 Kennedy half dollar where you know there will always be plenty of others to choose from!