What country are you in? You issue is most likely network releated as I find it hard to believe that a home network is getting OUTBOUND upload of 20Mbps. If you are sure it is 20Mbps, you will need to prove it otherwise I will continue saying it is a network issue
I do not browse the forums regularly anymore. If you need me for anything (asking questions or anything else), then PM me (be descriptive in your PM, message containing only a link to a thread will be ignored).