Fred, Achille, Max and Belette form a good-for-nothing gang of crooks. Dismally failing their last raid, they decide to get back in the game, kidnapping Sophie Marceau.
A DEA agent and an undercover Naval Intelligence officer who have been tasked with investigating one another find they have been set up by the mob -- the very organization the two men believe they have been stealing money from.
After getting screwed over by life (again), two losers decide that enough is enough. Using stolen ski masks and stolen toy guns, they take hostages in their local bank, holding them for ransom. Things go well until the hostages learn what's going on, and demand a piece of the action for themselves.
A detective, fresh out of the academy (lowest mark in class), gets the assignment to bodyguard a spoiled rich girl reporter. She's been interviewed on TV and has questioned the virility of a mobster who kidnaps her later.