Do you have to ask to be forgiven?

At youth group last night (sadly no longer considered young enough to be one of the youth, but still in denial about that) one question that got raised was whether you have to ask for forgiveness in order to be forgiven.

I realised as we were talking that I’d not really thought about it – and then we got side-tracked onto predestination, the trinity and other things…

Anyone have any comments?