1. Heat some oil in a large pot over medium heat. Add the chopped onion, garlic, and bell pepper. Cook until softened.
2. Add the carrots, potato, thyme, salt, and black pepper. Stir well.
3. Pour in the fish stock and coconut milk. Bring to a boil, then reduce to a simmer.
4. Add the fish chunks and the whole Scotch bonnet pepper. Simmer for about 15-20 minutes, until the fish is cooked through and the vegetables are tender.
5. Remove the Scotch bonnet pepper before serving. Enjoy your Caribbean fish soup!