Pidgin 2.5.2 is the premier Windows-based multi-format chat client that should enable you to chat to other users, irrespective of their choice of network. Unfortunately the theory doesn't include Skype (which uses a closed system) nor Facebook, two of the more popular formats for online chats, so it's more suited to the home user and a portable version isn't too much use unless you have a Yahoo, MSN or similar account.
Pidgin and Pidgin Portable links.
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