I've always had trouble losing fat. Around age 8-10 (I can't tell without photos, which I don't have here) I went from being really skinny to chubby. However, it was always dismissed by my parents, despite nothing else really changing and my activity level being very high.
In high school (junior or senior year), I started running 7-10 miles per night. Even with that, I still carried quite a bit of extra fat. I always dismissed it, though and just assumed I needed to work harder or eat less (even though I was always eating a ridiculously low amount without knowing it).
After grad school, I started specifically training as a bodybuilder and eating like one, too and I leaned up a bit more, but honestly, before that, I was somehow leaner without really noticing it until I looked back. If you look at my bodyspace account (same name), I think I still have a number of pictures up from back then where you can see my lower back and stomach are much smaller even though I was always sucking in and had extra fat.
In May of 2010, I'd hit my best (or 2nd best, since I had extra fat on my lower back compared to a few years ago) physique at 208, but after one cheat meal and a week of trying to dial it back down, I was back up to nearly 220. That's when I tried to bulk and from that point, I've basically literally not been able to lose.
So, it went from being very difficult to, as best as I can tell, impossible.
Now before hand, I had a little extra fat on my thighs, but not much. It was mostly love handles, stomach and lower back (chest was never as lean either, though). Now, I'm to the point where I basically have rolls in the middle of my back where my lats come in (beyond sickening). I also previously had gotten my arms to show the brachial artery, which has long since gone and I don't even have forearm veins pop when I'm working out (really haven't in over a year).