This is utterly the most uncreative plot there ever was. My God! To think it has a 85% ratings on rotten tomatoes! I will never trust the tomatoes ratings again. You call this an entry for an action film? More like a non-action film.
The plot is not even intricate. From the summary, you knew what you would get. Unless of course if there is a surprise twist. But at least let us get the action we requested.
The fact that it is a low budget film is no excuse for this poor movie. Look at the Wheelman for instance. A masterpiece even though it is a low budget movie.
Please do not spend a minute of your time to watch this movie. The first few scenes are the best. From there the next 1 hour 20 minutes is an utter waste.