When we go to Christ we are given the Holy Spirit. At the time we accept Christ, we are cleansed of sin and the Holy Spirit resides in us. God cannot live with sin, we are cleansed of sin through grace.
If we do not turn from sin, if we accept sin as part of our being like making our being a thief, or a drunkard, etc., then we choose that instead of choosing Christ. We are cleansed of all sin, even though knowledge of sin is part of us and if we say we are sinless we are a liar, so we do the very best we can to live without sin. It is impossible, but our trying is not impossible. At the very same time, without faith in all of God and His word, including words about how to live in His light, or if we keep within us grudges against others with no forgiveness, we cannot have grace. If we won't forgive others, we can't have that for ourselves. If we don't believe God, we can't have grace.
Please how can one not forgiven if they see they are forgiven as you just said we are by Christ forgiven.
In light of this forgiven love beyond humankind measure to percieve, it is what it is, and so in response how can one not love
For one can't truly love without first seeing the Love of God in Mercy to us through Son can they?