HI PILGRIM, WELCOME TO FISHLORE!
Sorry you are having problems with your fish.
First thing I would like to know is what ARE the readings of you ammonia, nitrite and nitrate test? If you are not testing yourself, and your fish store tells you they are OK, it is not enough for you to really understand what is happening in your tank. Most folks here recommend the API Master test kit (liquid).
Second thing, white spot, or ick is killed with warm temperatures, most of the time you don't need to use medications. Some medications cause more stress on fish than they can take. Tetras often are listed on medications as having problems that require using the medication at 1/2 strength. The temperature treatment is to raise the aquarium water temperature to over 82F. or 28 C . Hold that temp. for a full 2 weeks, all the while doing 25% water change every day, to every other day. The warmer temperatures deplete oxygen in the water and it has to be refreshed.
I would suspect that your tank was overstocked, you didn't say how many of each fish you had, but it sounds like it very well could have been too much for a 20 gallon tank.
Ick can be described as looking like salt. If this is what they had, it sounds like they also developed fin rot, both of which can be brought on by the stress of poor water conditions.
What is your current water change schedule? If ammonia or nitrite are over 0 you should be changing 25-50% of the water every day...because your not through the nitrogen cycle. If nitrate is over 20 you need to be doing 50% water changes until your nitrate comes down...as well as gravel vacuuming weekly.
Good Luck, and keep us posted...
