The most common and most likely answer to this crossword clue is the 14 letter word DOWN-AND-OUTER
I've seen this crossword clue in Independent
D
O
W
N
-
A
N
D
-
O
U
T
E
R
Buddy explains!
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.
What does DOWN-AND-OUTER mean?
DOWN-AND-OUTER noun- Someone who is down and out.