I don't think the RAM itself is faulty - I've got 4 different sticks, from 2 different manufacturers. All sticks do the same thing.
Anyway, I contacted crucial and they wouldn't accept results from Memtest86 or the microsoft utility - they recommended DocMemory from 
www.simmtester.com
DocMem is shocking. It found 0 errors even after 24 hours running the extended tests - it is MUCH slower than either memtest86 or MS, and the display would get garbled during running.
I'm very surprised that different programs can give such different results.
DocMem is slow, inflexible and doesn't find errors - Errors which I know are there because Prime95 fails and I've had some odd results running some other software.
Memtest86 is faster, finds a few errors, but is limited in that it doesn't appear to test all memory. It is flexible.
The there is the MS utility - it's faster than memtest, it finds more errors, does appear to test all memory, and has a more flexible and more frequently updated interface.