Hi Fishymom,
Welcome to Aquatic quotient. I think your pleco is down with external bacterial infection. The treatment regime you are applying now should cure it with or without the heater. If it's not cured within a week, you might want to try Melafix by Aquarium Pharmaceuticals, INC. or Interpet aquarium treatment No 7.(anti slime) which is quite effective for the infection. Hope the information helps.
PS: If the pleco is infected and the goldfish is gasping at the surface, your water parameters are definitely off. Check ammonia, the likely cause and overfeeding the likely catalyst.
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