I've come across this problem in my studies, and I've abstracted it to the more general case here.
Given a finite alphabet, what is a regular expression that matches all strings over the alphabet, except one particular finite substring?
As an example:
Given $\Sigma = \{a, b, c\}$
What is a regular expression that matches all of $\Sigma$ except the substring $ ba$?
What I really want is simply $\Sigma^* - ba$.