I have the same problem too - no matter how much I exercise and diet, I have always had a pooch. I have had a pooch since I was a pre-teen. Very disappointing.
Some forum members maintain that it's mostly in the diet, with exercise of course, but others believe it to be part genetics, part diet/exercise. Some of us will always have a "problem" body part, no matter what we do.
Believe it or not, someone had posted about some strange technique of pinching your stomach to tighten up your loose skin. I thought it was a joke, but this poster said it worked. Isn't that strange?
Perhaps one of the educated crowd better at computer stuff than me could find the link.
Good Luck!
Susan L.G.