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My name is ***** ***** am happy to assist you with your enquiry.
Probate will be required to deal with the Bank accounts, I'm afraid. The LPA your Wife had does of course cease to have any effect now, and most Banks will require sight of Probate where there is over £5-10,000 sitting there.
As regards ***** ***** the "legal title" of the property passes to the 2 of you now, subject to Josie's "equitable" share of 30%. All you need to do in this regard therefore, is to forward a certified copy of the death certificate to the Land Registry, and they will remove Josie's name from the title.
I hope this clarifies the position to you, but please let me know if you require any further help.