I have had a similar pathway to Nina's (good luck tomorrow, Nina!), with bleeding starting about three months into me starting HRT. I was told I'd probably be best having a hysterectomy. But repeated hysteroscopies have concluded that my hyperplasia is probably typical, so can be 'treated' with a Mirena, which was inserted just before Christmas.
Each time I have had a hysteroscopy, polyps have been removed. I am now on a six-month repeat for my next hysteroscopy as they are more confident that the Mirena is sorting everything out. It seems Utrogestan just couldn't control my endometrium as well as it usually does for most women.
So good that you are checking it out. Don't be too quick to come off HRT. This is frightening, I know, but just remember all the other benefits of HRT, too. I'm glad I stayed on as I feel probably the best I've felt for years now, on the Mirena and Oestrogel.