This:
rad_recv: Access-Request packet from host 192.48.19.111:49154, id=0, length=108
User-Name = "[EMAIL PROTECTED]"
User-Password = "toto"
Cisco-AVPair = "shell:priv-lvl=1"
NAS-IP-Address = 192.48.19.111
...is not an MS-CHAP request, as the later debug tells you:
modcall: entering group MS-CHAP for request 0
rlm_mschap: No User-Password configured. Cannot create LM-Password.
rlm_mschap: No User-Password configured. Cannot create NT-Password.
rlm_mschap: No MS-CHAP-Challenge in the request
modcall[authenticate]: module "mschap" returns reject for request 0
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