Yup I've changed the cap to 220nF
I've tried many configurations

20MHz Crystal
__CONFIG _CONFIG1L, _PLLDIV_5_1L & _CPUDIV_OSC1_PLL2_1L & _USBDIV_2_1L ;with OSC 48 ; NON-WORKING
__CONFIG _CONFIG1L, _PLLDIV_5_1L & _CPUDIV_OSC3_PLL4_1L & _USBDIV_2_1L ;with OSC 24 ; WORKING

4MHz Crystal
__CONFIG _CONFIG1L, _PLLDIV_1_1L & _CPUDIV_OSC1_PLL2_1L & _USBDIV_2_1L ; with OSC 48 ; NON-WORKING ;Original post
__CONFIG _CONFIG1L, _PLLDIV_1_1L & _CPUDIV_OSC3_PLL4_1L & _USBDIV_2_1L ; with OSC 24 ; WORKING