Put oil in pan. Saute onions. Add tomato sauce, garlic, chiles, cumin, oregano and bay leaf. Simmer 10 minutes. Add salt and pepper. Remove bay leaf. Carefully break the eggs in this pan and let eggs cook(poach)
Heat the oil in a large skillet over medium-high heat. Place a tortilla in the oil. Turn with tongs occasionally until the tortilla is lightly brown all over.
Place on paper towels to soak oil add a pinch of salt on fried tortillas (both sides)
Place 2 tortillas on a plate, coat the tortillas with a thin layer of warm refried beans. Sprinkle both plates with cheese. Top each tortilla with an egg and ladle on warmed salsa.