I have worked out a way...But I have 2 soundcards...
I have recently added a 5.1 soundcard and I plug the speakers into the back of the computer directly into the souncard...
At the front of the computer, where I plug my headset into it is still running through the old soundcard...
So for music I use the 5.1 card and for chat I have set as default the old sound card.... I hope that makes sense...