Nancy,
Is it the stitch regulator or the tension regulator that you had set to 0? I played with my tension regulator after thinking that maybe you meant the tension and not the stitch regulator. First, I set the tension regulator to 0 which produced big loops on my bottom side of the fabric when I free motioned. Then, I set the tension to around 7 and the loops were gone. Try playing around with different tension settings until you no longer have loops ( if that was what you were referring to). Also make sure the thread in bobbin is the same as thread on top.