Pre-heat your oven to 180C. In a large bowl, mix in all the dry ingredients first; flour, baking powder, salt, garlic powder and black pepper.
Next, toss in the ham, cheese and scallions.
Pour the water mixed together with the olive oil into the bowl, and stir with a large spoon.
Use your hands, gather it into a ball and tip it out onto a floured surface.
Form the dough into a ball. Make scores on top with a sharp knife and sprinkle the rest of the cheddar on top.
Bake in the oven for a good 45 mins.
Eat while it's still warm anyway you like it.