Just an update that is stranger then strange.
1) If I just take video with the phone or a hell of a lot of pictures, they save fine no problem.
2) If I connect it to my computer (either by taking the card out and putting it in a usb adapter or by hooking my phone up directly to the PC) I get massive card errors when copying it to it and then looking at it.
Doesn't make any sense. So, I'll just go buy a 16 Gb and be done with it.