And, he suggested, customers didn't grasp the message he was trying to convey.
Research suggested customers would rather nap, work, watch television or browse the Internet, he said.
The Financial Ombudsman Service suggested customers who face consequential losses such as this should keep a record and complain to the bank.
Mike Cherry, national chairman of the Federation of Small Businesses (FSB), said the warning by the bailed-out bank was deeply concerning to small firms and suggested customers should look for the best accounts on offer.
The retail giant suggested customers used "one of our competitors" to get hold of titles more quickly.
Plus, he suggested customers can always use their own products and systems to measure the return on investment.
It is not clear how much of the money will be taken, but a government spokesman has suggested customers should expect about 40% of the balance to be converted into bank shares.
Some broadband phone providers suggest customers keep their conventional phone lines as a back up, but Vonage says up to 50% of its customers don't bother.
Current owners' manuals in Explorers suggest customers have their empty vehicles weighed at weighing stations along highways or at shipping companies.
This suggests customers were targeted by criminals days before the telecoms company admitted the data of up to four million of its subscribers was stolen.
