I definitely wouldn't define the images you posted as "fine pictures", the actual picture is barely visible in the second frame, while the first frame is just a grey rectangle showing the artifact you describe. Were all other frames indeed "fine pictures" with good contrast, image definition etc.? It is impossible to guess anything by pictures as poor as those you posted, they show so many issues all together that the cause may be literally whatever, or a mix of whatever with whatever else, from lens to shutter to the camera body to the film itself to development and so on.