In a large heavy bottom stockpot add olive oil, onions and garlic. Cook on medium heat until softened and translucent - around 1-2 minutes.
Add the beef mince and break it up using the wooden spoon. Let this brown and caramelize for at least 3 minutes until it has a deep brown color.
Add the spices, tomato paste and stir well. Add the peppers and stir, let this cook for 1-2 minutes. Add the beef bouillon stock powder and stir again.
Add the canned tomatoes, baked beans, kidney beans and stir well.
Add the water and stir well, scrapping the bottom. Season with a little salt, black pepper and worcestershire sauce, cover and cook on low to medium heat for 30 minutes.
After 30 minutes, remove the lid and stir the pot, add lime juice, oats and stir well, the chili will thicken. Taste and adjust seasoning as needed.
Serve in bowls with thick yogurt/sour cream, avocado, lime wedge, fresh cilantro, shredded cheese, tortilla chips.