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Failed to change driving license address
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Whether they fine you or not will not change the position.
No vehicle owned. I'd always kept everything up to date, then when I moved to a new city, my car broke down once I got to the new location. I realized that I wouldn't need a car whilst living in the city, so scrapped the car. I haven't owned, driven or rented a car since, so forgot about the licence when I moved a couple of times.
In addition, the address on your licence does not necessarily have to be your main home address, it just has to be an address where you can be contacted (hence many itinerant young people use a relative's address rather than trying to update their licence every few weeks). Without investigating further the DVLA will not know whether you were contactable at the address which was on your licence up to now.
If you simply update the address on your licence online there is about a 99% chance that you will simply be sent a new licence with your new address on it and you will never hear anything more.
Bear in mind that if they don't have your up to date address, you're not going to receive their reminders when e.g. the photocard expires.