i have been looking for years for a website i used to visit fairly often around 2005. i cannot remember the name of it, or of anything in it.
it was dutch, it had an avatar chat similar to palacechat (i remember other websites using the same avatar chat engine, and i was obsessed with them for a while)
it's possible the website's main focus was something other than the avatar chat, because it had characters and a webcomic. you could have avatars of the characters in the chat
the avatars had a pretty distinctive look to them, sort of 3d rendered, made with shaded shapes. you could mix and match clothing for your avatar to customize it
it was fairly simple in operation, the background was generally just a photograph and you could pick a place to stand around in it. it all ran in the browser, maybe it needed an applet like java or shockwave
i think i found it!
https://web.archive.org/web/20031125201719/http://chatpoint.com/
the layout is what i remember, and there's a link to a comic, which tracks with what i remember from the site.. but all images are broken, sadly
chatpoint was also used by other websites as i remember, and it looks like today it lives on in a remake: https://www.chatadventure.nl/