Cryptic crossword clue
Fail to understand girl has article on train 4,3,5

The most common and most likely answer to this crossword clue is the 4 plus 3 plus 5 letter word MISS THE POINT

I've seen this crossword clue in The Guardian
M
I
S
S
T
H
E
P
O
I
N
T

Buddy explains!

The straight part
We know that "Fail to understand" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case fail to understand = miss the point.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

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