Load and interference does not cause fragmentation. Anything that damages a packet will cause the error checking to fail and the packet will be dropped. It will act just like packetloss.
Fragmentation is when a hop does not support such a large packet and will break the packet into two or more smaller packets. This is related to the MTU(maximum transmission unit). If the MTU is too large at one point and a hop doesn't support such a large packet, it will either drop it or fragment it so it will fit within the size limits.
All of that being said, ADSL is notorious for these issues because Ethernet has an MTU of 1500, but ADSL encapsulates packets in two extra layers. Each layer adds additional overhead, which further reduces the MTU...