Oh dear, the previous owner going cheap on the last service has really thrown a spanner in the works.
Yes poor oil or poor filtration over time could cause oil blockages or starvation (just as low oil level and oil left in too long can damage things), the timing chain is probably lubed by a few tiny oilways splash feeding it, it doesn't take much to block these oilways as thousands of owners of certain popular modern Diesels are finding out to their cost as their turbos seize, if the timing chain is starved of oil the chain guide will wear rapidly and the chain stretch, causing it to run slack and then jump.
The problem with your engine might be nothing to do with the parts or oil used, but without the magic fully invoiced service record i suspect you are up the creek here without a paddle.
If Kia are going to reject warranty it might be cheaper to pull the car out of their clutches before they dismantle it and let an indy, whom you trust, sort the problem for you, its going to be quite labour intensive and half the dealer's hourly rate is worth saving.
Edited by gordonbennet on 12/11/2015 at 19:46
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