Here is John Martignoni’s latest newsletters that talk of this very issue:
biblechristiansociety.com/newsletter_details.php?id=151
Well, we’re in agreement up until Question #4. The first thing to do whenever someone asks this question is to immediately ask them: “Where is that question in the Bible?” Where does Jesus, or Paul, or Peter, or James, or anyone else ask someone, “If you died tonight do you know for sure that you would go to Heaven?” Ask them to give you book, chapter, and verse. They can’t do it, because that question is not in the Bible. In other words, these “Bible–only” Christians have made up some sort of salvation test that is nowhere found in the Bible…it is a man–made invention.
When asked if you “know” that you would go to Heaven should you “die tonight,” answer like this:
”I do not judge myself. I am not aware of anything against myself, but that does not mean I am acquitted. It is the Lord Who judges me.”
Now, if they try and point out that the Bible says that we can “know” – which they interpret to mean “have absolute assurance” – that we are saved and heading to Heaven and, therefore, any one who is “really” a Christian would have absolute assurance of their salvation, then simply repeat, “I do not judge myself. I am not aware of anything against myself, but that does not mean I am acquitted. It is the Lord Who judges me.”
They will then say your response indicates that you are not saved – then simply point out that your response is almost an exact quote from Paul – 1 Cor 4:3–4. Tell them you are simply answering their non–scriptural question with a quote from Scripture itself. And, if they take that to somehow mean that you are not saved, then they are directly insinuating that Paul himself must not have been saved…because those are Paul’s words!
So, let’s say you answer #4 with, “I am not my own judge, God is,” and they then interpret that as the poor little Catholic taking the bait and they move in to spring the trap with question #5, “**What is it that separates us from God?” And you, quite rightly, answer with, “Sin.” ** They then think they’ve sealed the deal with Question #6, “Which sin of ours doesn’t Christ fully atone for?”
What do you do? How do you respond?
Answer:** “The unrepented one.”**
Now, Christ did indeed atone for all of our sins, repented and unrepented; however, the atonement is not applied to the unrepented sins. So turn around and ask your questioner this: “
Does Christ forgive YOUR unrepented sins?”
Since these people believe in the error of once saved, always saved, they have to believe that Christ forgives their sins whether they repent of them or not. Yet, if they answer your question with a, “Yes,” Christ does indeed forgive their unrepented sins, they are flying in the face of Scripture: **1 John 1:9, “If we confess our sins, He is faithful and just, and will forgive our sins and cleanse us from all unrighteousness.” ** “If,” we confess our sins. If we repent. If we don’t, we are not forgiven. If we are not forgiven, we are not saved. This can also be very clearly seen in Jesus’ words to the seven churches in Rev 2 and 3.
But, if they answer in accord with Scripture and say, “No,” Christ does not forgive their unrepented sins, then how can they believe in once saved, always saved? Because once they’re saved, they could always commit a sin for which they do not repent. God does not force us to repent. Repentance is not automatic, even for a Christian. And, if they have a sin for which they h aven’t repented, which means it hasn’t been forgiven, which means they have lost their salvation since, as they pointed out earlier, sin separates us from Christ…then how can once saved always saved be true?
See the link for the rest of the script rebuttal.