It is rare that the IRD can withhold information about your debt, including the original loan contracts and charges (note that, in some cases, this information is held by Study Link). Normally the IRD respects its disclosure obligations but there are times when people have to deal with someone who makes things difficult. If this happens to you, we can help, or you can make a formal demand for your information under the Privacy Act and the Official Information Act, make a formal complaint against the IRD, or ask the Ombudsman to help you.
Don't let the process get you down. You do have rights and you also have the right to have your rights honoured.