Here are a few tricks that may or may not work (or be scientifically valid)..
Check to see if the fat is actually cool, most of the time. If you are not getting much blod circulation (as is usually the case with problem areas), it will be difficult for your body to use the fat as fuel.
If this is the case, there are some tricks for trying to increase this:
--Wrap saran wrap around your waist and love handles, tight, while you are doing cardio.
--you might try a topical yohimbe solution like yohimburn.. the juries out if this actually works, but if it can increase the cirulation it could do something.
Again, who knows how well this stuff works, but its probably worth a try.