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thanks again for the advice, its much appreciated. I've recently started swimming, which I enjoy, but I am a bit rubbish at it! I actually don't mind sit-ups, so this could work for me. I'm male, I didnt clarify that before/
I spoke to the trainer after circuit training tonight and she said that the tummy is a hard area to lose it and suggested something for kinesis. I have already had my programme changed at the gym, but not noticed a change on the tummy, hence posting the question.
As far as loose skin, it could well be the case considering how big I was. its not dimply and stretch marked though like ladies get after child birth, and is quite firm fat but wobbly!