Hey fatso, are you sure you've read the dieting stickies. If you had understood them then I don't think that you would be eating 2000cal at 104kg......that is way undereating. Your body is probably in starvation mode and is holding on to your precious energy reserves (i.e fat). You need to recalculate your BMI and required calories or better yet get a diet from DJ.
If you want to lose 20% BF then you going to have to up your cardio. 2 x 45 min sessions is not enough. Try build up your fitness and then try splitting your cardio into morning sessions and in the afternoon incorporate your weight training. Losing those kg is going to take extreme dedication and commitment, leave the fatburners and chemicals for now, rather focus on diet and cardio.
"Do or do not, there is no try" - Yoda
"It's simple, if it jiggles, it's fat."- Arnold Schwarzenegger