Okay, it all checks out good on the pcb. r14/r15. Check to see that you placed the correct values in the right place as I mentioned above.
Other than that, if you're using 4 diodes to make your bridge, make sure they're orientation is correct. Depending on the transformer you use, you'll have to play with the values of the resistors to set the correct voltage but if you're using a 48vct (2x24v) as you say, even with the default values you should be closer than you are.