As to any loan to which the provisions of §§ 6.2-327 and 6.2-328 are applicable, the borrower may assert any defense or claim he may have under §§ 6.2-304 and 6.2-305 against any assignee or transferee of the contract of indebtedness.
Assertion of defenses or claims by borrowers; effect of assignment
Va. Code Ann. § 6.2-307, under Chapter 3. Interest and Usury..
Va. Code Ann. § 6.2-307