USFASTCASH!! AMERILOAN LOANEES! BEWARE!! Internet

I recently took out a loan from two online payday lenders
Took these out on 5/24/11
* Ameriloan---> $200
* Usfastcash-->$300
 Usfastcash says I owe $510
Ameriloan says I owe $350

I called both of these companies ahead of time to let them know that my hours on my job were cut
 
therefore I would not have the funds available in my checkings account when they debited the
 
money. However, USfastcash told me the loan would have to go into DEFAULT before they could do
 
anything. Ameriloan debited my account multiple times overdrawing my checkings account in which
 
case I had to close my account to prevent any other occurences. I received a phone call today from
 
USFastcash and the rep left me a voicemail stating that my check came back as a closed account

but if I called them today before 4:30pm I could set up a payment plan and I would not be charged
 
for any other fees and I would pay the loan off at a cheaper rate.

When I called to set up a payment plan the female I spoke to asked me would I like to make the

payment of $510 today I wanted to say B%^&8 are you crazy!! But instead I told her no I can't 

afford to pay that much however, I would like to set up a payment plan for the principle amount
 
that I borrowed as I have fallen on hard times and can't afford anything more. She then told me
 
that she would mark the account as a refusal to pay!!

I mean what is that!! I later sent them a letter through their website stating that I would be in

contact with the BBB and my attorney general because I did not refuse to pay I called to set

up a payment plan. Can someone please tell me how I can handle both of these companies? Who

here has come out on the positive end? Why did I do this?