I've had this problem a few times over the past couple of years, and i noticed it's always been on films i've developed in Paterson Systen 4 tanks - the newer style ones with the bayonet tops. It has occurred even when i've remembered to clip down the spiral. I own a couple of older screw-thread tanks, and i've never had that problem with them.
My developing routine is:
a) Pre-soak in tap water for a few minutes with a couple of drops of wetting agent;
b) Develop in 600ml ID:11;
c) Water-bath for five minutes - i find stop-bath unnecessary with this step;
d) Fix;
e) Wash 20 mins minimum;
f) Final wash with a few drops wetting agent.
I rarely, if ever, rinse the tank or spiral as I always pre-soak with a few drops of wetting agent anyway. It has never caused loading problems either. So i'm inclined to blame the newer design Paterson tanks and that horrid sloping bayonet lid. Quite why Paterson re-designed them i can't imagine - they really spoilt a good piece of kit.