Possible Clues:

• Chat, getting into train at terminus
• Toad, not Sprat, is to chew the fat
• Talk like this to Jack for Toad
• A bit of caution at terms for talk
• Talk of this with Jack to a D?
• Talk continually or annoyingly
• That's the way to talk to Jack for the toad
• Chew the fat, shoot the breeze
• How one might talk of toad with Jack
• Jaw