I recently helped someone who was having problems with Paterson reels. After watching him in daylight, with his eyes closed and loading a dummy film, the guy was squeezing the two halves of the reel towards each other so much his knuckles were white. The reels are made to be slightly floppy together and a millimetre oversized, so that there is plenty of space for the film to be pushed in by the ratchets. If there is any sort of stiffness just relax, wiggle the reel halves back and forth a few mm, maybe even tap one side then the other, and carry on loading.
If the hands are wet and sweaty then use nitrile gloves, perhaps also starting the film on the reel outside the changing-bag (only 135 of course). If the reels are wet and you can't dry them then you can always load underwater, giving 5 or 10% extra time to the film due to the pre-soak. I wouldn't recommend that except in 'emergencies', and getting a bucket of water in to your changing-bag isn't going to be a happy event.
Before trying again, soak the reels in a (weak) bleach solution to soften any gunk that might possibly be in the trackways, and scrub them out with a nail-brush. Rinse and dry carefully. Do this so that you can remove a/the possible problem before trying increasingly bizarre answers . . . Good luck
