I finally got it working.
Apple replaced my phone twice. That seemed to fix my in app downloads issue I was having but still had wi-fi streaming issues.
I also was using private browsing that seemed to effect streaming only on Wi-FI not 3G. Once it was turned off working fine.
So I think I had issues with the hardware and software.
Note: Dont use YouTube as a test as it works ok but other web sites will casue you problems.