Thanks for the reply, re-reading what I wrote I realise its not very clear!
I have 4GB (2x2GB) installed, which the bios recognises, so I assume that this means the modules are fine.
Task manager reports 2007mb total, but looking at resource manager it shows all 4096mb but 2089mb of it as hardware reserved, which it hasn't before.
A quick google shows that having the memory in the wrong slots/config causes this, but as its happened withing the last 2-3 weeks, months after the system was built, i dont think this is the problem.
Edit: Just had a look around thew BIOS for the memory remap setting, couldn't find it so booted back into windows to check if it was called anything different for my motherboard and it was back up to 4056mb usable memory! I hadn't changed anything in the bios, even of i had i exited without saving any settings just in case.
All was well for 30 seconds then it bluescreened and hung at POST, until i restarted it and left it unplugged for a while. Powered back up and back to where I started, 2008mb usable, the rest reserved.
This is the specs, if it helps at all:
Intel Core i5 760 2.80GHz (Lynnfield) (Socket LGA1156) - Retail £117.23 1 £117.23
Gigabyte GeForce GTS 450 OC 1024MB GDDR5
Microsoft Windows 7 Home Premium 64-Bit - OEM (GFC-00599)
MSI H55M-E33 H55 Express Chipset (Socket 1156) DDR3 Motherboard
Coolermaster Elite 430 Windowed Case - Black (with 500w Elite Power PSU)
Corsair XMS3 4GB (2x2GB) DDR3 PC3-12800C9 1600MHz Dual Channel Kit (CMX4GX3M2A1600C9)
Samsung SpinPoint F3 1TB SATA-II 32MB Cache - OEM (HD105SI)
Arctic Cooling Freezer 7 Pro Rev 2 CPU Cooler (Socket 939 / AM2 / AM3 / 775 / 1155/ 1156 / 1366)
I've read about conflicting CPU/Memory voltages so will check that out now, but if anyone has any more ideas I'd be grateful!