Hi Kay, and welcome to the forum. Sorry you're having such trouble with your tanks.
I have seen strange film and "thick-textured" water in tanks that are not yet cycled. I'm not sure exactly what it is, but something about the water chemistry makes it look / act a little viscous sometimes (bubbles stay on the top, aeration seems to be less effective, etc). Large water changes (50%) will help with this a lot.
Since you're cycling with fish, you need to do large water changes every day until you're regularly getting readings 0 ammonia, 0 nitrite, 5+
nitrate.
Never change your filter pads unless it's absolutely necessary (falling apart). When you put new filter media in, it removes most of the beneficial bacteria, you get an ammonia spike, and your tank goes into a mini cycle. Just rinse off the filter pads in used tank water as needed during water changes.
Good luck and keep us posted.
Edit: Oops, forgot to address the cloudiness bit. White cloudy water can mean that you have a bacteria bloom -- that's a good thing! So the cloudiness may not be as much of an emergency as it seems to be. Keep an eye on water parameters and keep doing WCs... For more on cloudy water colours and what they mean, check out this article:
http://www.fishlore.com/CloudyWater.htm