Thanks for the input folks! I was hoping that the tags might be a possible cause even though I have had them "forever" and never had the issue like I have more recently.
I can't see my specialist for a while as I have no days off (just changed jobs), but as soon as i see him, will ask if I can use something other than the pad. I used to use gauze when it was really light and the result of the fisutla. Both have just been irritating things worse.