Hi there Savawa,
from the problems you are describing I think the problem could be, either with the RAM modules or the CPU's Memory controller. The fact that the system seems to run OK with just one stick of RAM but falls over when you add the second would point more to the CPU rather than the RAM, especially as both sticks have passed Memtest when you have run it. It is very unlikely to be a motherboard error but, of course, this can't be discounted and the options you are left with, to try and solve the problem yourself, are becoming more limited.
Have you tried running with your RAM in slots 1&3 or 2&4 on the motherboard? This would use only one channel of the CPU's Memory controller, rather than both and would be a good indication if the CPU is at fault. If the system runs OK in either configuration then it would seem likely that you have a faulty CPU.