Rigged Character Cloth goes very 'tight'

I have been having issues with Unity 5 cloth trying to get an animated mesh have correct physics that seem to work fine when it is not rigged.

In testing I find that an imported editable poly mesh from 3dsmax seems to have perfectly good working physics as cloth with the constrained and unconstrained vertices working great, but as soon as I apply a skin to the model, rig and re-import it. The unconstrained vertices on the cloth seem to 'shrink' as if the material is suddenly very stretchy. The skin/rigging seems to completely change the way the cloth physics or 'material' type function.

Any thoughts as to how to fix this would be greatly appreciated. Thanks in advance.