I honestly wasn't expecting so many comments for this and such great constructive criticism from all of you and for that I thank you. To sum up the major issue people have discussed I feel that I haven't been giving that much thought into how the belly, hips and waist would form with an overweight character. I took the opportunity to look up references of nude models to see where exactly I have got wrong. Here are examples of what I have found:

(warning, nude human pictures)
Reference 1
Reference 2
Reference 3
Reference 4

Naturally the human body comes in all shapes and sizes but as you can see there isn't as much of love handles as dramatic as I have drawn mine and you can see that there is still a line leading from the waist to the thigh.

What I had done before was looked at reference photos of slender nude models to get the anatomy right and then imagined what the fat would look like on it but what I need to do is actually look at larger people.

I want to thank PhealGud, D3vinSawhog, LordrinWild, Tanookicatoon, Stalbon, cetas and lizardprotector for their critique.