Todays reading from the Motoring Gospels: "Shall ye skimp on servicing to save money, then so thou shall't reap what ye sow with problems later. And it shall cost ye more".
Items like breather pipes, filters and sparks should be checked and changed or cleaned on a regular basis. Waiting until the car fails an emissions test is often far too late as the damage has been done by then.
That spark plug could be the root cause. Other problems like your blocked breathers and air filter may have been compounding it. That cylinder may be stuggling causing incomplete combustion. Your HCs are not horrendously high, so it may not be chucking too much unburnt fuel down the exhaust, nevertheless unburnt fuel can kill a cat even if it is only a little but over a long time. A misfire can also kill it.
First thing to do is make sure the engine is in a fine state of tune. Clean oil, filters, sparks, HT leads (if it has them).
With a quarter tank of fuel or less, run some cataclean and give the motor an Italian tune. If you need to put fuel in for this exercise use Shell V Power or BP Ultimate or Esso Supreme (in that order of preference).
Then take it for a retest. If this doesn't clear it then suspect the cat.
With a popular car like the Polo, you might be able to get a good secondhand cat. Get one with a reasonable warranty and have it retested just before the end of the warranty period. Or find someone who's breaking their own car.
Incomplete combustion can cause high temperatures and promote the formation of carbon deposits. See if you can get an endoscope down th eplug hole to take a look. Might even be worth doing a compression test to check for burnt valves. Especially if you can do these things yourself. If your local garage hasn't got an endoscope (no excuse, they are cheap enough) then try some local plumbers or electricians.
As you've found gunk and gunge in the breather system also suspect you've got it in oilways and th pick up gauze and laying in the bottom of the sump. Increase the frequency of oil changes and use flush too. Frequent short journeys??
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