the bb type feeling means theres still fat slooshing around in there
lyle mcdonald wrote a piece a bazillion yrs ago about fat 'whooshes' ..regarding intracellular water and the weird peas or bb's feeling in the fat ...
any fat diet chick type board you'll see the same type of thing posted over and over
usually loose skin does still have some fat behind it attributing to its looseness..however with stretch marks and collagen damage you may indeed be stuck with a bit of loose skin
retin a topically can help this a bit
your description sounds like a bit of fat still tho
one caveat though..there is a such thing as like, fat tumors..theyre just hunks of fat that just wont go anywhere without surgery...they tend to look pretty bizarre though
I'd take care of your skin with a decent moisturizer and look into dry brushing...it can't hurt