Actually it's a Bernina 1031 not an Activa

Question

I just finished practising different stitches and when I finally decided which stitch to use, changed the thread and the bobbin only to find the needle will only depress so far - like it hits the bobbin. I've tried changing the controls back to straight stitching, have cleaned out the bobbin, and the presser foot area of any lint and can't seem to find anything blocking the needle from going all the way down and catching the bobbin thread.