Jordon Judge's cellphone rang as he sat in his local Vancouver coffee shop last October — caller ID said the person was from Scotiabank.

He had no idea it was actually a fraudster who had manipulated the call display, a practice known as phone call "spoofing."

The fraudster said he was calling to flag two suspicious charges that were coming through on Judge's Scotiabank Visa card. Judge said he hadn't approved those charges and the caller said they would be blocked.

But two days later, Judge spotted two large charges on his credit card statement, totalling almost $20,000.

"Those were not my charges," he told Go Public. "So it was definitely astonishment."

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It was the beginning of a long and frustrating process, during which Scotiabank continued to insist he was liable fo

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