Ok, Select the leg surface. What we just did was move the Leg you made to a new layer to get it out of the way for now. Now lets loft the upper body. We want to loft the upper body, but because of the shoulder curves it will not loft smoothly and will streach the surface to far. Lets hide a few of the shoulder curves that are too far out of place for what we want.
Lets have a look.
Not bad, but there are some rough spots. Ok, Select the body surface. Type in .1 and leave everything else at the defaults. This is a great trick to smooth out a bumpy surface, but always use small numbers and don't over use it, as it will remove details. Have a look.