2FA using SAML Claims, Frustrating Office Document Issue

Hi Everyone,

We are running SharePoint 2010 Standard, and I have configured Two Factor Authentication into a claims based standalone webapp (SecureID Fobs + SAML Claims).  It works perfectly and the site is accessable to everone who has been granted access to it.  However, I have an issue with Office Documents (work, excel, powerpoint ONLY)

Whenever an authenticated user attempts to open an office document, they get a 403 Access Denied error, and routes the user back to the WAP server for reauthentication (Fiddler reported this).  All other types of documents are fine, inc pictures and PDF's.

I have tried everything I can think of, but it makes no difference, inc, but not limited to:

1. Changing from Persistent to Session cookies

2. Trusted Sites

3. Registry Changes

4. Removal of FQDN's in AAM's

5. DIfferent browsers (Chrome and Firefox)

6. 32 and 64 bit versions of IE9 (unfortuantely this is the company standard however IE11 is also affected)

Have I missed something? Im beginning to pull my hair out (what I have left anyway....)

Any help what so ever would be greatly received,

Thanks,

Michael