Is the timeout of the meta refresh on your two JSP pages dynamically determined ?
What exactly does your meta refresh tag look like the very first time you hit the frame page? How about after a single submit?
As for the bottom frame scrolling down, it's a JSP page.. are there any <br /> or spacing tags being used that might be dynamically determined? If you are incrementing a variable, thinking it is per request, but you have it scoped incorrectly, then perhaps it's doing some strange things. Is the actual source of the HTML different each time? Track down where in your source the extra HTML whitespace is coming from, and look there in your JSP.
The name of the frame with the Submit button, in the lower third that scrolls down on each forward, is "ChatEntry.jsp". However, since it's contained in teh "mainframe" frame, I need to forward to the mainframe.jsp page.
I admit I've never done any heavy-duty frame programming, but I don't see the 'need' for this at all.
If your ChatEntry.jsp submits a form to a servlet, you stick the text into a database... why not just forward to ChatEntry.jsp again? The submitting frame will then re-appear, and you don't have to reload the ENTIRE frameset, rather, just the one frame.