We've all been there Ned.One test I use to see if the film is threading properly in the stainless reel is as it is being reeled on every few rotations give the film a little push pull, the film should slide a little in the groove. If it doesn't slide the film is in a bind and the result is exactly what you describe, film touching and frames ruined. Another test only works for 36 frame rolls, you should run out of room on the reel very close to when you run out of film. If you have extra room on the reel or a lot of film tail left, you have a problem.