The most common and most likely answer to this crossword clue is the 12 letter word CRINGEWORTHY
I've seen this crossword clue in The Times
C
R
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N
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Y
More clues leading to the result CRINGEWORTHY
- Whinger to cry, frightfully embarrassing
- Excruciating wry hectoring is out of order
- Acutely embarrassing group in church value prayers at heart
- Embarrassing church about call in front of dignitary
- Embarrassing once second person’s after call to have debts turned into credit
- With her two crying out it’s embarrassing
- Toe-curling jewellery item found in church: value unknown
- Cold call English luminary — how embarrassing!
Buddy explains!

The straight part
We know that "Toe-curling" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case toe-curling = cringeworthy.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 CRINGEWORTHY mean?
CRINGEWORTHY adjective- That causes one to cringe with embarrassment; embarrassing.