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Thierry -- a couple extra details. For this client we have a password policy in place that forces a new password every 90days. In addition their is a grace period of 10days. As a result if the User ID is inactive for over 100days -- they receive the expired password error message. The default is a rather unhelpful one line statement. You are right if a user attempts to login in during the grace period they receive an expired message but after that they get the system message.
Rob -- thanks. I did finally manage to get this resolved. Like you say it is easier to have a separate "messages" NSF and you are right that Default/Anonymous ACL must be set to Reader.
The custom expired message page now has a suitable reason message plus an email link to contact the IT service desk to request a password reset.