Fair enough, you're entitled to your opinion (which is obviously based on having seen the bird, unlike me), but given that the comment about the bird being oiled originated from one of the most experienced and knowledgeable birders in the county, I'm happy to take his word.
The fact that it turned up in an urban park in Chelmsford is, in itself, a strong suggestion that all was not well. (In my experience, Red-throated is the least likely of the three regular divers to turn up inland, despite the fact that they're the most abundant on the sea down south). It may have been catching fish well in your opinion, but I doubt what's available in Central Park is really a substitute for its natural habitat. I certainly don't think it 'just dropped dead' - I reckon it's likely that there was a problem of some description when it arrived, and the same problem led to its unfortunate demise.