Heat the oil in a heavy-based saucepan and gently fry the garlic and onion until soft.
Add mince beef and brown all over.
Add the stock and let it bubble up for a few minutes.
Add tomatoes, cumin, chilli, cinnamon and oregano.
Simmer for 10 minutes.
Add beans and simmer for a further 10 minutes.
Season to taste.
Spread nachos on a plate.
Spoon over chilli.
Cover with grated cheddar.
Put under a hot grill until the cheese melts.
Serve with:Boiled rice if wanting a healthy non-CF meal, or on a bed of lightly salted nachos with grated cheese if going for the CF option.
Watch out, the plate is hot! But dig in!