buyer wants to return a collected item

hi

Iam new to ebay and i have recently sold an item (golf stand bag) which the buyer chose to collect in person and paid cash!  after a few hours of him collecting, he messaged me to say there was a fault on one of the zips, and now he wants to return it for a refund!  do i have to refund him his payment even though he collected the item that he could have checked over while he was at my house? 

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