According to the Bad ISPs Wiki,
http://www.azureuswiki.com/index.php/Bad_ISPs, charter throttles high volume users. If its not your settings then I would guess this is it. You might want to run a speed test to see if its your whole line or just the torrent packets. Is it only happening during peak hours? Cable lines are shared so they might only throttle you at certain times. If it is just the torrents and not the whole line then there are ways to disguise the packets, although I've never needed to do it so I don't know how well it would work.
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