Florida PaydayLoan Help - Eastside/Ashland/Kenwood/Icollect/Redco

I have 3 pdls. I have looked on the Florida website, but either I am looking in the wrong places, or just don't know what or where to look to see if they are illegal

The PDL's I have are
East Side Lenders - $400.00 ($520.00 w/finance fee)
Ashland - $200.00 ($260.00 w/finance)
Kenwood Services - $200.00 (260.00 w/finance)

I think Ashland and Kenwood belong to the same parent company. PWEST ??

So here is my current problem...I call ,email and fax Ashland , Kenwood and Eastside on June 12 and tell them I have a problem with payment for the 15th due to a bank problem, (frozen acct) , and I need to reschedule the payment .the rep at Kenwood responds that I didn't do it with in 3 business days and to call on the 15th with another form of credit and I respond that I can't as my direct deposit is halted , I need to open a new account with my payroll check and there fore the bank will not issue monies for my out of state payroll check for 2 days. She (Kenwood person) responds, you just need a form of payment and hangs up. On Wed, I call her and she says I didn't respond within 3 Business days.,I said I did.. Acct frozen on June 11, I call PDL, they are closed, I call/Fax/Email on June 12, and ALSO ..nowhere on there contract does it state that 3 business days does not include weekends or holidays! she informs me they are closed weekends! duh.. ok.. it should state that!! well where I work we are open 7 days aweek!..anyway
I tell her I want to make a payment and janeyette says she sent it to collections.. I didn't call on Monday with payment.. blah blah..we go in circles..AGAIN, I ask for a supervisor, she states SHE is the only supervisor... says l will now just have to wait for the collector to call... well,, a week goes by, and I still fax and email them asking for where to send a money gram to pay this off.. and I get an email today from Matt, telling me to call Redco, as I am in collections on this,. he signs it Matt i-collect...

So.. I borrrowed the monies to pay these people off, but they will not respond to my calls or emails... Are the above PDL's illegal and where do I go now..

PS: EastSide did call and set up a payment schedule,but it went up from 400.00 to 620.00 - 128.00 every two weeks till paid !! fees and adding an extra week, etc... And Ashland gave me a Money Gram acct number to mail the missed payment to... they did work with me on Wed.
I am soooooooo stupid sometimes.. I have talked to a budget person and have FINALLY set up a budget..but this was just a stupid thing to do,
OK>. I shall await replies/help and support!.. Thanks as always !