In A Large Skillet, Cook Beef Over Medium Heat Until No Longer Pink; Drain. Stir In The Water, Poultry Seasoning And Pepper. Bring To A Boil. Stir In Gravy Mix. Cook And Stir For 2 Minutes Or Until Slightly Thickened. Arrange The Onion, Carrot And Potatoes Over Beef. Reduce Heat; Cover And Simmer For 10-15 Minutes Or Until Vegetables Are Tender. Sprinkle With Cheese. Cover And Cook 3-5 Minutes Longer Or Until Cheese Is Melted.