OK, thanks for the heads up on this. In the end, this gives me the ability to cheat, which I didn't want to do (and I don't get in general why people want to, but hey that's up to them)
In the end, I erased the save file on the HD and applied my save with the resigner and it worked.
So, case in point if anyone else is having a hard time. Although when you copy it over to your harddrive it will erase what you had there previously, it still wasn't working. Erasing the original save file from your HD before copying it over with ftp or USB stick worked for me. May or may not work for other games, but it's worth trying for sure! Try this for anyone having a few problems.