It may just be an off cycle for you. It would seem to me that if this was indeed a pregnancy
and a loss
(which would probably have been called a chemical pregnancy when it happens this early) then the hpt would have been positive since it takes hcg a little while to leave your system. For instance, in October I had an early miscarriage, but I tested positive on a hpt for 2 weeks after the m/c. So it's my guess, and only a guess, that this is a messed up cycle.