Thank you for that however that didnt resolve my issue and I wasnt prepared to buy a new card just yet. (I know they are cheap but I always have to get my moneys worth!
So I have solved the issue.
It appeared there was a file or two that were either corrupted or were located in bad sectors and when the phone tried to read these from the SD Card it failed and the SD Card bummed out.
As opening the folder containing the files also dropped out the SD Card I backed up my data thus:
Connected the phone to the pc via Data Storage.
ran xcopy from command prompt:
xcopy e:\*.* c:\phone_backup /E
This would freeze on the corrupted files so I would then reboot the phone and reconnect it and create a txt file in the C: Drive called file.txt and it contained just the name of the file.
Then you can run:
xcopy e:\*.* c:\phone_backup /E / EXCLUDE:file.txt
This would then attempt to copy the files whilst excluding any files listed in file.txt.
After a few more resets and a few more files added to the list I was able to copy off most of everything.
I then ran the SD Card through the Panasonic SD Card Formatter twice and copied all the files back.
12 Hours later and no issues as of yet. Fingers Crossed!!
If anyone needs a better explanation or help let me know!