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Buying a collection in person item

I'm tempted to bid (about £90) on a child's bike, marked as collection in person. The photo is not that detailed and the description just says 'used'.
If I won the item, would I have to pay for it before going to see it?
I assume it would be functional, but if it was rusty, scratched etc, would I be able to reject it, and reclaim my money if I had already paid?

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