@yehuda, are you מוחל me?
Yes. Are you מוחל me?
(See, it works like that, Chaim.)
How can someone say no?
If you did something terribly wrong to them?
The idea is that one should ask forgiveness from anyone they harmed in the past year as G-d can forgive for sins between man and G-d but isn't going to just forgive you for hurting another person without you receiving forgiveness from that person himself.