You have been driving illegally for the past 12 months - a photocard is only valid for ten years, and you must then replace it. At present you do not have a valid licence, will not be allowed to rent a car, and if stopped by the police will get a fine and points for driving without a valid licence.
DVLA would have sent you a letter reminding you to renew the photocard - which makes me suspect that you may not have informed them of a change of address. That is another offence for which you can be fined.