I am getting a 403 for one of the files on my directory

I don’t know why you guys do not have the logs for the error’s you give. So we can debug on our own and need not post to forums. Please tell me why my page is not working. 

File name /htdocs/chat.php

HI
chat systems is not allowed (read TOS)
besides, I think you can NOT have that filename because it automatically trigger protection