The most common and most likely answer to this crossword clue is the 10 letter word MOTORMOUTH
I've seen this crossword clue in The Guardian
M
O
T
O
R
M
O
U
T
H
Buddy explains!
The straight part
We know that "One likes to chat" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case one likes to chat = motormouth.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does MOTORMOUTH mean?
MOTORMOUTH noun- One who talks very fast or incessantly; a chatty or loquacious person.
- To talk very fast or incessantly.