Toilet paper is designed to lose its structure within seconds in water. Wipes are made from bonded fibres — often plastic-containing — engineered to stay intact when wet. That is exactly the property that makes them a drainage disaster.
The "fine to flush" logo on some UK products means the wipe passed a specific disintegration test. Most wipes on sale do not carry it, and in a domestic drain with existing fat deposits even those can snag.
If wipes have been flushed for years in your property, expect to find a build-up. A camera survey will show it, and jetting will clear it.