I paid for an Extended Service Plan when I purchased a camcorder from Circuit City because the salesman said it was "no hassles, no fine print, bring it back and we'll fix it" guarantee. When I took the camera in to repair a small plastic cover that fell off I was told the warranty didn't cover it because it was due to an "accident" (i've seen the same excuse in other reports!). They offered to give me my money back on the ESP, but it only covers half the cost of the repair!! This is even though their warranty specifically covers "normal wear and tear".
The store "manager" was rude and surly, not only to me but also to the four people at the store service counter. The volume of complaints I find on the internet convince me that Circuit City, and their ESP warranties, are a sham! You'd be better off buying the appliance off the back of a truck in a dark alley somewhere!