I have encountered the same troubles as many other people while trying to use the Circuit City CityAdvantage Plan.
I bought a Toshiba laptop computer that started developing problems within just months of the time I took it home. After personally visiting the store where I bought it they told me to wait one and a half months untill the factory toshiba warenty expired that way the CityAdvantage plan could repair it with no questions asked. They assured me it was just a simple phone call and then the plan company (Which by the way is GE) would send me a box to mail it in and would have it back in 5 days.
After attempting to contact the 1-800 numer several times I finally got a hold of somebody that wanted to "walk me through the problem" they felt that I could repair it myself with phone instructions. If I wanted to work on computers I would not have gotten the warrenty. I gave the trouble shooting a try but the largest trouble I had was understanding the guy from INDIA who could barly speak english.
After giving up with that I contacted customer services at Circuit City after one year of trying to continue to contact them I have gotten no where. I asked for my money back for the warrenty, (no chance) and even asked for a pro-rated refund which I have yet to see.
In the end $600.00 later at a repair shop I finally got my PC repaired I also have not given up on getting my money back. I have plenty of time to keep calling and e-mailing them.
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