I threw something together & posted it for you, hope it helps. Its called ChatIt. It doesn't do much, but it does what you asked for. You can toggle ON/OFF a secondary chat backdrop, adjust the alpha value of that backdrop so you can make the chat a little darker or a lot. It also has options to stop the chat window from fading, stop the text from fading, or just change the time delay & duration for text fading.
http://www.esoui.com/downloads/info6...ansChatIt.html