im running windows vista and have no problems at all with chat. the only thing you should need to get into chat is java. this is the link for their webpage
http://java.com/en/download/ maybe try downloading from here instead of from PsychoCentral. the other possibility is maybe you didnt have enough posts in the forum to be able to get into chat. i dont remember the number of posts you need tho. its prolly something like 5. Id try updating/downloading java first tho