Heat the oil in a large frying pan. Add the beef and brown well.
Add the onion and garlic and cook 2-3 minutes. Add the chilli powder, cumin, tomatoes and stock. Stir well. Season and bring to the boil.
Cook gently for 35 minutes, stirring occasionally.
Add the beans and cook for a further 15 minutes. Serve with rice or tortillas and add salsas and toppings for extra flavour and variety.