i never experience throttling on tm or time. At first i had slow speeds but using mikrotik with a complicated QoS meant i never had video buffering anymore, no slow downloads and so on. I dont think its the ISP thats throttling you rather the lack of config that causes slow speeds.

I use a simple ques with custom que types. For each WAN, have a main que with the type of sfq with the max speed of your practical WAN speeds, have a seperate que type for upload and download for the main que.
next just branch each to a new que, use either sfq or fifo and differentiate the traffic via priority, limitting the max bandwidth of each. Make sure to put internet services like DNS, NTP, ICMP and such as the highest priority, followed by gaming. I usually put downloads and torrents last. Give higher priority and latency sensitive traffic the SFQ type while non latency sensitive like torrents and downloads the pfifo que type, same with web browsing (though video streaming should use sfq and not a buffered que to avoid video buffering).

If its too complicated for you, wait a few months as i build my mikrotik tutorial from start till advanced configs for both homes and business usages.