It sounds like ich to me. I had the problem a little while ago, white spots and fins "clamped" at their sides (untill feeding, just like yours). I turned up the heat, put some meds in there, and within a week it was gone. I did loose 6 neon tetra's and an angelfish to it though. My other friends did survive. It appears that you have goldfish, therefor no heater? If you don't have a heater (don't require one for goldfish), then other than meds, I don't know what you could do. Perhaps someone who has more experience with goldfish could help.