Happened to me in real life - solution go-around
Visual approach to IOM with the approach then in 2 miles final switch to tower. The Captain gets the freq wrong by .005
So no rising the tower and no clearance to land. We go-around at 100 feet ground rise approach again on the previous and see the mishap on the tower freq. Everybody had a good laugh. And the Capt apologize to the PAX.
Comment from Tower: "Perfectly fine with us to go around as you had no contact". He made sure that we had landing clearance after a visual circuit when we were abeam and confirmed again on final. (I love the English humor)
Nothing happened. I don't want to know what would have happened if we hit something on the runway...
IMO: I would go-around again in this case and sort out the problem later.