Prepare mashed potatoes or use left over mashed potatoes. Set aside. Cook meat, onion, pepper and drain. Add salt and pepper. Pour mixture into oven proof serving dish. Pour soup evenly over meat mixture. Do not stir. Spread potatoes over this mixture. Heat in oven about 350 degrees for 20 minutes or until mixture is hot. Sprinkle a little grated cheddar over top to serve and 1 teaspoon sour cream on each serving.