I have read youre post and this is what I have seen posted from one doctor on another site...
You are having Phosphaturia.
White or cloudy urine with particulate matter is due to Phosphaturia. Our urine contains a lot of phosphate, when this is slightly in excess, this forms crystals which precipitate out. Sometimes this can seem like an oil film. It can be in excess due to factors in the diet, such as milk or excess protein, due to inadequate water intake or due to dehydration. This is nothing to worry about, it is a perfectly normal phenomenon.
You can look up here:
http://urology.stanford.edu/articles/abnormal_urine.html