I found this an another forum, and it appears to work here.

http://gabbly.com/www.justlabradors.com/forum/

Knowing nothing about the nuts & bolts of computers, I am told this is free and allows one to live chat at the same time as being on the forum site and browsing that site. ???

In fact I actually have the chat window to this site open as I am making the new topic post. (hope it all does not crash when I 'submit' :P)

I'll be here (on gabbly/JL) for about another 1/2 hour. Anyone else also want to see if this really works.