Yes, it could be that is what is happening with you.
I actually have Premature Ovarian Failure (this is meno before age 40). I was diagnosed at 33, but by the time I had my blood levels taken I was totally in the postmeno range, not in perimeno. I think I was in perimeno in my late 20's, but didn't know what it was. I had many of the same symptoms as you describe--hairloss, depression, low libido, bladder issues and period issues. It wasn't until I hadn't had a period for 5 months and then started having INTENSE hotflashes that I went to the doctor, and one blood test was enough to confirm it for me--but I didn't want to believe it or accept it. I went to a few specialists at UCSF just to confirm it, and I finally had to accept it when the diagnosis and test were the same.
I tried going on BCP's, but they made me feel really anxious and weird. I had been on them when I was much younger (before I was married) and did okay with them, but I found I could no longer tolerate them. I am now on a very low dose of HRT--1 mg. of Estrace (bio-identical estrogen), 100 mgs of Prometrium (natural progesterone). I worry about the long term effects of these (especially in light of the recent WHO studies, and have thought of going off lately. I already have significant bone loss (almost to osteoperosis), and if I do go off I will have to go right on a menopausal bone building drug like Fasomax or Boniva.
Here is some information on Premature Ovarian Failure:http://www.drdonnica.com/guests/00006208.htm
You can read about the symptoms there. Have you had your FSH, LH and Estrogen levels taken? If yes, what are the levels? I use to be a moderator at www.earlymenopause.com
and know quite a bit about it.
I tried Detrol LA as well (because I get this thing where I feel like I have to pee all night occasionally, and I won't be able to sleep) but found it made me feel depressed. Do you notice that? I only took it for a few weeks, and just didn't like the way it made me feel.
Feel free to contact me with any questions you may have.