Cash In A Flash

I defaulted on a payday loan I took out with this business and now they are trying to charge me accrued interest from the date of the loan (3/4/11), where [redacted] law says they can't do that. The contract only mentions late fees. WI law states: ..."If you fail to repay your loan in full on the maturity date, the lender: must offer you the opportunity to enter into a repayment plan if you have not been offered one in the past 12 months. Your total outstanding balance plus interest after the maturity date at a rate of 2.75% per month would be divided into 4 equal installments that would be due on each of your next four pay dates."The interest they are now trying to charge me, one year from the original loan date, is five times the original loan amount!