Hello Suzanne,
Could be something really simple, look between the tension discs to make sure there is not a small piece of fluff in there, make sure the presser bar is up when you thread the machine, the top tension should not be more than about 4 or 5, take the bobbin case out and run a pin under the curved spring in case there is any fluff stuck in there, you should be able to pull the thread through with slight resistence, if it is too loose tighten the larger screw on the bobbin case clockwise about a quarter of a turn at a time and test, make sure the bobbin turns anti clockwise in the bobbin case as you look at it.
Ken
drivewithken, November 2009