So basically your blaming Lampard based on your unverified assumptions, thats fine we are all entitled to a view, but it helps if there is evidence to back it up.
If the club hasn't got plans in place for transfers well before the end of the season, then frankly its a very badly run club! Irrespective of who the manager will be, or which loans might or might not return, the job of the scouting and player acquisition team is to have potential transfer targets identified early on - obviously things change as players not expected to leave get bids or whatever, though one would again hope there a variety of scenarios are planned for and the clubs management team have half an idea of who wants to go or who they would like to get rid of.
The idea that no targets were identified before Lampard decided to leave is naïve thinking - yes another manager might have different views, but he can only pick from the same pool of players plus whatever contacts he might have. For a club like Derby player acquisitions are governed by the potential fee, the likely wages and availability - Managers will have made it clear what players in what positions they need early on, thats why you have scouts!!
In Derby's case we lost 3 loans, we were always going to lose 3 loans, can't see given the existence of a plan that changes things one bit, other than in your assumption, which may be right but certainly isn't a verifiable fact!
I've already addressed the issue of incoming transfers, Lampard's were no worse or better than other manager's, again its likely that they were the players that could be bought that fitted what he wanted, on the other hand they could be what Mel or someone else had identified as targets before he came, who knows you or I certainly don't, so another assumption that they were Lampard's choice!
You bend over backwards to give Cocu the benefit of the doubt, but seem to do the opposite with Lampard. The only thing thats fact, is it was unfortunate and not a help that Derby changed managers again!
Mind you we have had the same manager this season as last, so on that basis we should be doing better?