I think that doing your cardio on an empty stomache is the most efficient way to burn fat stores, if you do your cardio first thing in the morning.
At this point, from how it sounds, your main concentration should be to lose the fat, with your secondary being on gaining muscle (Muscle burns more calories at a resting state than fat, so the more muscle you have, the more calories you are burning for doing nothing).
What happens when you don't eat throughout the day, your body seems to think "Wow. I don't get very much food, so I better store everything that I get for use when I need it" A simplified way of saying you have slowed your metabolism.
While I respect your efforts, at eating fruits and vegetables, I'm not so sure that it is so good at this point in time. Vegetables - yes - especially the fibrous ones. Fruits are fructose, which is a kind of sugar, which easily turns to fat if you don't use the energy before it gets stored.
I agree with the others on frequent small meals in aiding with the metabolism. I think, though, that if I were you, (and I have been - or close to it before) that I would concentrate on the proteins throughout the day, and starchy carbs (if you have any) should be only before lifting, but after cardio, then fibrous carbs until about 4-6 hours before bedtime, then NO CARBS at all after that.
__________________ First crop circles, now this. Weird |