BabyDuck:
i purposely wear mine (when i *do* wear one) under. if i wore it over, it would be around the widest part of my hips, not my waist, and would slip off as soon as i hit the water.
Your problem is likely that the bottom of your arm straps are attached too low to your plate, and/or that your BP/W waist strap is too low, at hip level.
Raise them up on your plate to your waist height and you'll be able to have both your BP/W waist strap and your weightbelt on at waist height.
Donning procedure would be arm, arm, waist strap, crotch strap, weightbelt.
BTW, if you have a problem with a buckle stack, you should put the weightbelt buckle slight towards your left hip side and your BP/W buckle towards the right. This is preferred because the mass that's on the weightbelt wants to pull down, but the freed end (which won't have as much weight on it) will tend more to move across the other buckle and go around your back to drop. The opposite configuration tends to try to cross the 2nd buckle perpendicularally, which is more likely to get it snagged, especially since its going to be WB with weights on it instead of the smooth belt tongue.
In either circumstance, proper weightbelt ditching is to then hold it fully clear of the body with your left hand and confirm no snags before dropping.
Some self-rescue techniques even recommend that the WB be deployed to this position - - but not dropped - - during a neutrally buoyant emergency swimming ascent. Their logic is that if you were to become unconcious, you'll relax and let go of the belt and thus become buoyant to at least have your body make it to the surface (where hopefully, someone will be close enough by to revive you if you're not face-up, etc). Its probably not a big chance of survival at this point, but any chance is clearly better than zero.
-hh