North Central Wagon Co. Ltd., Penarth Dock.

1861 - 'In 1861, a group of astute investors saw the business possibilities in leasing wagons to local railway companies, collieries and quarries. The North Central Wagon Co was established, marking the birth of hire purchase.

A black diamond representing a lump of coal is adopted as the company's symbol - still reflected in Lombard's logo today (2019).

The company began leasing wagons to the coal industry to the value of £105,000 – worth over £7m today.

By 1900, nearly 25,000 railway wagons were available for hire and they began to finance road transport too, as demand for vehicles grew. . . . . '  - [682]

1894 - The company was registered as a limited company on 31 March. - [016]

1895 - Kelly's Directory of Monmouthshire & South Wales, [175] - North Central Wagon Works Co. (Geo. T. Heald, manager), East Moors, Cardiff; Fabian st. St. Thomas', Swansea; & Barry Dock, Cardiff.

1899 - An advertisement for the North Central Wagon Company Limited of Domine Lane, Fullerton Road, Rotherham with repairing works at Rotherham, Cardiff & Swansea. [016] [20190117]

1911 - Cardiff Directory incl. Penarth . . .  - North Central Wagon Co.  Ltd. The offices of the company were situated approximately between the subway and the slipway of the Penarth Shipbuilding and ship Repairing Co. - [681]

	'For Repairs Advise The North Central Wagon Co. Ltd., Cardiff - Load 10 Tons -  Empty to Ocean Collieries' - An exhibit at the National Waterfront Museum, Swansea [001] [700] [20190320]
	Ocean Collieries leased from the North Central Wagon Co. Ltd., Cardiff this, and many more, 10 ton capacity (12 ton gross) coal wagon suitable for tipping at the docks directly into the holds of vessels. - An exhibit at the National Waterfront Museum, Swansea [001] [700] [20190320]