Predestination is based on God's foreknowledge (Romans 8:29-30 KJV) of who will believe (Romans 3:21-22 KJV). The question is valid. It is always asked in hope tha the person being asked, has had a moment when they have. If not, this same question using God's terms can cause one to 2 Corinthians 13:5 KJV (Hebrews 4:12 KJV).
If there has never been a moment in your life when you trusted the Lord after hearing and believing the word of truth, the gospel of your salvation (That's right there is good news by which we are saved 1 Corinthians 15:1-4 KJV), you are not in the faith. As an ambassador for Christ, I am committed to the word of reconciliation whether or not you believe it.