Opinion ID: 1307549
Heading Depth: 1
Heading Rank: 4

Heading: camp's appeal

Text: Camp's complaint alleges a violation of SCCPC under S.C.Code Ann. § 37-10-102(a) (1989) which provides that a creditor must ascertain the preference of the borrower as to the legal counsel that is employed to represent the debtor.... The Court of Appeals affirmed the dismissal of this cause of action. The test to determine whether a right of private action in favor of a certain party is created by implication under a civil statute is whether the legislation was enacted for the special benefit of that party. Citizens for Lee County, Inv. v. Lee County, ___ S.C. ___, 416 S.E.2d 641 (1992). The purpose of SCCPC is to protect consumers. S.C.Code Ann. § 37-1-102 (1989). This intent is borne out by the relief provision of SCCPC found in § 37-10-105 which provides for forfeiture of the loan finance charge to the debtor's benefit. In sum, the statutory language evinces no intent to benefit attorneys who provide services at loan closings. We conclude Camp has no private right of action for a violation of § 37-10-102(a) and we affirm the Court of Appeals' ruling on this issue. Camp also contends his complaint sufficiently states a cause of action for interference with future contracts under Crandall Corp. v. Navistar International Transportation Corp., 302 S.C. 265, 395 S.E.2d 179 (1990). The Court of Appeals did not address this issue nor did Camp petition for rehearing for the court to consider it. We therefore decline to address this issue.