All catfish and loaches are sensitive to certain chemicals. This is due to the fact they are scaleless fishes. Most fish have scales over their body and the scales help prevent chemicals coming in contact with the fish's skin. If the fish doesn't have scales the medication can be absorbed directly through the skin and overdose the fish.
Some medications/ chemicals are more of a problem than others. Things like formalin/ formaldehyde, Malachite green, methylene blue are pretty toxic. Drugs like triple sulpha are quite safe for catfish and can be used at full strength.
White spot & Ich are the same thing, an organism called Ichthyophthiriasis, (ich for short).
Velvet or Oodinium is caused by a parasite called Oodinium.
Whitespot is about 1mm in diameter whereas velvet is about half that size and can have a golden sheen to it. Whitespot is an actual white spot. Marine Oodinium is identified by lots of very small white spots.
Both parasites are treated in the same way.
The best thing you can do is make sure the fish are kept at the correct temperature for the species, about 24-26C for most tropical fishes. Then treat the fish with an appropriate whitespot remedy. Continue treating the tank for about a week after the spots have disappeared.
You can raise the water temperature a few degrees (maximum temp is about 30C), increasing it speeds up the parasite’s lifecycle. This causes it to develop quicker and die off sooner. However, the temp should only be raised after the medication has been added to the tank. If you turn the temp up and don't have medication in the water then the disease organisms grow faster and spread more rapidly, causing more damage to the fish.
Increase aeration/ surface turbulence to maximise the oxygen levels in the tank. Medications and high temperatures reduce the oxygen carrying capacity of the water, so the more surface turbulence the higher the oxygen levels will be.
You don't have to increase or change the temperature to treat the fish. I often leave the temp at about 26C and just treat the fish for about 10-14 days. "Waterlife Protozin" or any medication with copper in, will treat it.
Keep treating the fish for a week after the spots have gone. The whitespot parasite has 3 stages to its lifecycle.
1) the white spots on the fish
2) the spots fall off the fish and the parasite multiplies inside a cyst while it is in the gravel.
3) the cysts in the gravel rupture open releasing thousands of new parasites to re-infect the fish.
The parasite can only be killed during the 3rd stage when they are free swimming and before they attach to a fish.
To work out the volume of water in the tank
measure Length x Width x Height in cm
divide by 1000
equals volume in litres
When measuring the height, measure from the top of the gravel to the top of the water level. If you have big rocks or driftwood in the tank, remove them before measuring the height.
Before you treat the tank do a 50% water change and complete gravel clean. This will reduce the gunk in the tank and allow the medication to work more effectively. It will also lower the pathogen count in the water and mean there are less nasties around to infect the fish.
Remove carbon from the filter before treating otherwise it will absorb the medication out of the water.
Make sure any new water is free of chlorine and has a similar temperature & PH to the tank.