Whisk the flour, baking powder, baking soda (bicarbonate of soda), salt and black pepper in a large bowl.
In a separate bowl, combine the oil and buttermilk.
Pour the oil mixture into the flour mixture and mix to combine.
Add in the grated cheese and 2 cups of any chopped veggies or other ingredients you prefer. I used feta, olives, red jalapenos, and chives.
Grease the muffin tin WELL. Even if you are using a non-stick pan, it should be well greased. I use cooking spray or lots of butter to grease the muffin tin. If you are lining the pan with paper cups, then those cups need to be sprayed as well.
Divide the batter in the muffin tin, filling each up to ¾ full.
Bake in a preheated oven of 320ºF ( 160ºC ) for between 20 to 25 minutes.
Remove from the oven and enjoy as is or with a spread of butter.