I have similar skin.
I find toners irritate my skin, for starters.
What sort of cleanser is the Loreal one? Loreal products can be very harsh.
I'd switch to a gentle cream cleanser and hot cloth (muslin or soft flannel in warm/hot water) to take it off at night. Superdrug Vitamin E or Radiance hot cloth cleansers are cheap as chips and really gentle and creamy - perfect for combination skin.
For the dryness - you could try using a few drops of facial oil or a serum before applying your night cream?
I use Trilogy rosehip oil (not that cheap - about 20 quid a bottle...but lasts ages) and Aldi Lacura serum (decent and cheap, although the fragrance is a bit granny-ish).
I find properly double cleansing (ie. doing the hot cloth routine twice) and super moisturising (oil, serum, night cream) my skin at night means all it needs is a splash of water and pat dry in the mornings, then apply sunscreen (if you're very fair and moley, I would honestly sack off the day cream and use a high factor sunscreen instead).
Its definitely made my dry bits less dry and my oily bits less oily.