Bad timing relating to a point in harmony (13)

I believe the answer is:

unpunctuality

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'bad timing relating' is the definition.
I can't judge whether this definition defines the answer.

'point in harmony' is the wordplay.
'point' becomes 'punctual' (I am not sure about this - if you are sure you should believe this answer much more).
'in' indicates putting letters inside.
'harmony' becomes 'unity' (I've seen this before).
'punctual' put inside 'unity' is 'UNPUNCTUALITY'.

'to a' acts as a link.

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I've seen this clue in The Times.

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