hi there,
i have had symptoms very similar to this (and more - eep!) over a few years. it only tends to happen when i am very stressed. i started a thread about it in this forum about a week ago - i told my pdoc and he told me not to worry about it - i wasn't going "crazy".
he did suggest that if i needed to sleep and that the voices were keeping me up, he could give me an antipsychotic. i have been on them before and they are ok - work very quickly - only needed to take it for one or 2 days.
the suggestions Owl made are very helpful. i hope you try some of them out and find them useful.
could you not go to a GP about this? they might be able to do a proper check and reassure you that everything is ok.
xo deli