Jesus, I'm 5'5" and weighed 17 stones at one point! Lost 49'pounds but ongoing, I'm still in the obese BMI category. My point was that the OP is borderline and that might explain why she is struggling to lose weight.
To be fair, I suggested that Cycleconvert is "just into [the overweight category]" and her weight "fairly high"; I did not suggest that 11 stone is huge. I am not a big fan of BMI, but the description of what is happening to Cycleconvert's waistline confirms that something isn't right.
Cycleconvert isn't "struggling to lose weight" - that would be staying the same weight, despite all efforts to cut down; she said "I seem to have done nothing but gain weight and fat around my middle" which is a different thing altogether and implies a significant calorie surplus, despite efforts to count those calories.
It goes against the laws of physics to suggest that it is possible to gain fat without taking onboard surplus food and/or drink. It is possible to gain weight through fluid retention, but surplus fat doesn't come from water.
If Cycleconvert has got her calculations right and is genuinely only taking in 1,300-1,500 cals a day, then she must have a superbly efficient metabolism. More likely, there is a mistake somewhere and she is eating (or drinking) more calories than she thinks. Either way, the answer is to shift the balance by taking in fewer calories and/or doing more exercise. It takes a lot of exercise to burn significant amounts of fat - in my case, about 100 hilly miles on the bike to lose a single pound. In a week, cutting back by about 500 calories a day would achieve the same as riding 100 hilly miles. If I did both, I would lose about 2 pounds.
Fubar - well done on losing the weight you have so far!
