Cryptic crossword clue
Those lacking ability nicest, top men horrible 12

The most common and most likely answer to this crossword clue is the 12 letter word INCOMPETENTS

I've seen this crossword clue in The Daily Telegraph
I
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Buddy explains!

The straight part
We know that "Those lacking ability" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case those lacking ability = incompetents.
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 INCOMPETENTS mean?

INCOMPETENTS noun
  1. A person who is incompetent.

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