We don’t accept that the act was wrong,
That is called been obstinate in sin and if a person dies in that state they will be damned to hell.
we don’t think we deserve forgiveness (low self esteem or haven’t done enough to repair the damage to receive forgiveness),
That is a lack of faith in Gods mercy and if a person dies in that state they will be damned to hell
They are part of what are called the sins against the Holy Ghost which Christ tells us will not be forgiven.
“‘Whoever blasphemes against the Holy Spirit never has forgivness, but is guilty of an eternal sin.’ [Mk. 3:29; Mt. 12:32; Lk. 12:10]”
“There are no limits to the mercy of God, but anyone who deliberately refuses to accept his mercy by repenting, rejects the forgiveness of his sins and the salvation offered by the Holy Spirit. [John Paul II, DeV 46] Such hardness of heart can lead to final impenitence and eternal loss.”
The 6 Sins against the Holy Ghost
Presumption
“There are two kinds of presumption. Either man presumes upon his own capacities, (hoping to be able to save himself without help from on high), or he presumes upon God’s almighty power or his mercy (hoping to obtain his forgiveness without conversion and glory without merit).” (C.C.C. # 2092)
Despair
“By despair, man ceases to hope for his personal salvation from God, for help in attaining it or for the forgiveness of his sins. Despair is contrary to God’s goodness, to his justice - for the Lord is faithful to his promises - and to his mercy.” (C.C.C. # 2091)
Resisting the known truth
Resisting the known truth means to attack it by word or argument, to resist it, to contradict it, or even to oppose the known truth or to challenge it as false.
Envy of another’s spiritual good
To envy the spiritual good of another is to question the Divine judgment of the Holy Spirit in His distribution of spiritual gifts. It is to be jealous of another person who has a gift different than one’s own gift. Through envy, one rejects the gift that he has received from the Holy Spirit, determining in his own mind that the gift he has received is not good enough for him and he wants someone else’s gift.
Obstinacy in sin
To be “obstinate” means to resist the sanctifying power of the Holy Spirit, to be stubborn, to persist in sin, to be unyielding.
Final impenitence
“Impenitence” means to be uncontrite, unrepentant, hardened, unconverted, to be without regret, shame or remorse.