2 x 400g tins black beans, red kidney beans, or other tinned beans, drained and rinsed
salt and freshly ground black pepper
500ml/18fl oz vegetable or chicken stock, made with 1 stock cube
50g/1¾oz cheddar, coarsely grated
100g/3½oz soured cream or Greek yoghurt
350â400g jar tomato and chilli pasta sauce