my name is bre. I am from the uk. not sure what to say really. a bit nervous I suppose, even though no-one can see me

I need help. I have been trying to germinate 4 different typea of banana seed but after 1 year, nothing.
ensette ventricosum
musa velutina
musa balbisiana
dwarf musa "truly tiny". These were purchased 2 months ago. suppose to germinate in 2 weeks. I have lost germination guide.
I can germinate any kind of seed, pepper, veg, fruit as apple, orange, lemon, guava etc, no bother. Its the banana I have problems with. heated propagators are a bit expensive and my flat hasn't really got any really warm places. Can anyone please help?.
Forgot to add, I germinate everything by the paper towel method.