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I went into BIOS upon start up and changed the date to 13th October 2004 to see what would happen (there isn't a 13th month so wanted to know what it did). When XP loaded the date hadn't changed and was showing 13th October 2004.

Re-started again and changed the date in BIOS back to today's date, 11th October 2004. I was fully expecting it change to 10th November 2004 but it showed the correct date on the desktop. Don't know if this has fixed it or not. I'm getting fed up of re-starting my PC though!