Through checking all the posts here, it all seems pretty standard. What ISP do you have, if its a IS reseller, they rather unstable from prev XP. I know there is a mega negative factor towards siax accounts, but personally, i would recommend it.
But i think your problem might be sitting in the ADSL Pots Filtering. The line comming directly from your router needs to be plugged in straight to the wall. Any other telephone that is plugged into that line/number, you need to have it filtered with through a ADSL Pots Filter.
Same principle with 56k, when you are connected and you pick up the phone, youll hear the modem noise, if you talk into the phone, you will get disconnected.
Try that, maybe that could be the problem
Good Luck Thou