I was having problems that seem to be quite common with the MOTU 828MKII USB and Windows XP SP2. It was occurring in Sonar 6 and 7, and Windows Media Player.
The solutions I attempted were:
1) Try a PCI-based USB expander card. No joy.
2) Rebuild USB stack by deleting / letting Windows re-add them. No joy.
3) Tried VIA chipset special USB filter patch. No joy.
4) Messed around with different Sample Rates and Bit Depths. No joy.
5) Changed USB cables / ports. No joy.
6) Factory Reset on 828. No joy.
7) Re-install Windows XP SP2 to bare-bones - just OS, Graphics, MOTU, LAN, Chipset. no joy.
As you can see, it was a real ball-ache. Then I noticed that the problem seemed to be in sync. with changes the UI e.g. minimize and maximise the Sonar screen whilst playback was occurring. So... I removed my GeForce 7300 graphics card from its PCIExpress port.
PROBLEM SOLVED!

I don't know if this will solve your problem, but as you can see, I went through a bunch of solutions to find it so it might save you all some time.
Howler